What is enhanced courtesy car cover?


You may have heard the term ‘enhanced courtesy car cover’ bandied about by insurance companies, which is usually provided at an extra cost by an insurer.

This means that you get a like-for-like replacement hire-car instead of the garages courtesy cars to use in the event of an accident

Car Call and our partners helps thousands of motorists every year by independently arranging their replacement vehicles, repairs and legal assistance after a non-fault accident. Because we have nothing to do with any insurer, it means you get all the assistance you need, but without having to make a claim on your policy.

It also means you get a like-for-like replacement hire-car even if your policy does not have any courtesy car cover at all.

If you have been involved in a car accident, you will probably need a replacement vehicle to use if yours is un-roadworthy. Even though you may have the facility of a replacement vehicle on your insurance policy, you may not be offered the type of vehicle that suits your needs.


We supply the type of vehicle you need

We all choose the vehicles we drive for specific reasons. We appreciate that you will not only want that type of vehicle as a replacement – but the law says you are actually entitled to it. So we and our partners match the type of vehicle you drive, to the vehicle we provide as a replacement.

Your replacement vehicle will typically be delivered to your home or place of work within 3 hours of starting your claim. We and our partners can provide a wide range of vehicles from sports cars to large commercials, so the chances are we and our partners can provide the type of vehicle you need.


We repair your own car as well

We arrange the repairs to your own vehicle as part of service. We have a network of approved accident repair centres and will place your vehicle with a repairer that is local to you. All the repairs carried out on your vehicle are fully guaranteed and are of course, carried out to the vehicle manufacturer's specifications.


If you need legal assistance…

Often following a road traffic accident, you may require legal assistance in order to properly compensate you for any losses and/or injuries you may have sustained.

These may include:-

  • Recovery of expenses

  • Recovery of lost earnings if you are unable to work

  • Recovery of storage charges for a damaged vehicle

  • Costs of tools, equipment or other possessions damaged or destroyed in the accident

  • Compensation for any injuries you sustain



To find out more about our service, call 02392 484 244 and an experienced claims advisor 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