What is a third party car accident claim?



A third party car accident claim or third party assistance claim is a claim made from the insurer of the person responsible for a car accident. For help and advice with car accident related issues, call 02392 484 244 and we will be happy to help.


What is the difference between a claim on my car insurance and a third party claim?

If you were not at-fault for a car accident, you can choose to let the insurer of your own vehicle organise the repairs to your vehicle.


Alternatively we can arrange the assistance you need and recover the costs directly from the third party's (the person responsible) insurer.


Is there an advantage to a third party accident claim?

Typically if your insurer deals with a non-fault accident claim for you they would still require you to pay the excess on your policy before your vehicle can be repaired. Your insurer should be able to recover this excess amount at a later date from the insurer of the person responsible.

Because your insurer is likely to consider you to be more at risk of having another accident, your insurance premium may also increase as a result.

If you choose to make an accident claim directly from the third party insurer you do not have for your insurer to deal with your accident claim at all. Consequently you have no excess to pay and your insurance premium should not be affected.

Your insurer will have to be notified for 'information purposes only' as this is likely to be a policy requirement.


What kind of assistance will I receive?

Regardless of the type of insurance cover you have on your car, we will arrange the following services for you and recover the costs from the third party insurer on your behalf:

  • 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

  • Access to our 24/7 help line


To find out more about our service, call on 02392 484 244 and we will be happy to help.



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