What does a non-fault accident claim cost me



If you were not responsible for the road accident you were involved in, you would have thought that your insurer would ensure that it does not cost you anything – wouldn’t you?

Unfortunately, the reality is – it’s not usually true.

Firstly, to an insurer – a claim on your policy is just… a claim on your policy.

It makes no difference to them whether you were at-fault or the innocent victim of a careless driver.

Secondly, even though you were the innocent party in the accident, your insurer is likely to consider you to be at more risk of having an accident in the future and so your next insurance premium is likely to increase as a result of your claim.

Thirdly, if you have an excess on your car insurance policy – it is likely you will still have to pay it before your vehicle is repaired. Admittedly you should be able to claim this money back at a much later date, but why should you have to pay it in the first place?

So, a non-fault insurance claim usually does cost you money.


Make your non-fault accident claim independently of your insurer

Car Call independently helps thousands of motorists resolve their no-fault accident claims every year.

Our claims service allows anyone to get their vehicle repairs, their vehicle replaced and their legal issues resolved, as an alternative to a claim on your insurance.

there is an alternative to a claim on your own car insurance policy.

Call 02392 484 244 to find out how we can help.


About the assistance we arrange for you

Our customers choose our service because it not only provides everything they need, but it means they don't have to pay any excess they may have on their car insurance policy. Also, because your insurer is not involved, your next insurance premium should not be affected.

How much does our service cost? Because we deal directly with the insurer of the at-fault driver, all costs and charges are recovered directly from them on your behalf.


How we help you

Remember it does not matter what type of cover you have on your own car insurance policy, because we act independently for you - all the following services are available: -

  • You will receive a like-for-like replacement for your damaged vehicle

  • Your replacement vehicle is delivered typically within 3 hours of accepting your claim

  • Your vehicle can either be repaired at one of our approved accident repair centres or at a repairer of your own choice

  • Your vehicle repairs are fully guaranteed

  • Legal assistance is arranged for accident related issues such as the recovery of expenses, lost earnings or claims for compensation

  • Costs and charges are recovered directly from the at-fault drivers insurer on your behalf

  • Access to our 24/7 help line



To find out more about our service or just ask for some advice, call us on 02392 484 244 and we will be happy to help.

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 like-for-like 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 like-for-like 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