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 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 comparable 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 and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.

No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a comparable replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a comparable replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury