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Motor Accident?

The risks of having a large car insurance excess


Car insurance voluntary excess is one of the main ways drivers choose to cut the cost of their car insurance – but what are the risks in having it?

Of course, you should always make sure you can afford to pay your excess in the event of an accident.

If you cannot find the money to pay your car insurance excess: -

  • Your car may be seized by a debt recovery agency

  • It may have to stay in a ‘storage’ until you can pay your excess and get it repaired and you will be liable for these storage costs

  • You may have difficulty finding affordable insurance in future



I only have to pay excess if I am at-fault, don’t I?

No, in most cases you are likely to have to pay your excess even if you were not at fault.

This means your car will not be repaired until you pay it up-front or until the money is recovered from the insurer of the at-fault party, which could take months.


What if I can’t pay my excess?

Car Call UK independently help drivers get the assistance they need after accidents that are not their fault.

By helping people make their claims independently of their insurers, it means you do not need to make a claim on your own insurance policy or pay your excess at all.

We arrange the services you need and recover the costs directly from the at-fault driver’s insurance provider.


Don’t I have to tell my insurer about my accident?

We will contact your insurer and they will log the accident on their system "for information purposes only". This enables us to arrange your accident assistance instead your insurer and it does not affect your claims history.



We resolve everything for you, not just your repairs

We and our partners help thousands of motorists every year, get the assistance they need to get them back on the road with the minimum of disruption.

The benefits of our service include: -

  • No excess to pay

  • Your no claims bonus should not be affected

  • We provide a like-for-like replacement vehicle for you to use if yours is un-roadworthy and /or being repaired

  • Your replacement vehicle will be delivered to your home or place of work, typically within 3 hours of starting your claim

  • Your own vehicle is repaired at an approved accident repair centre or at a repair centre you can choose yourself

  • Legal assistance will be arranged for any accident related issues

  • All costs and charges are recovered directly from the at-fault driver’s insurer on your behalf

  • The claims Help Line is available 24/7 to assist with your queries



To find out how we can help with an accident that was not your fault, call us now on 02392 484 244 for free help and advice from one of our experienced claims advisors.

Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.
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