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Motor Accident?

When not to claim on your car insurance


If you have been involved in a car accident, you are likely to want someone to take control of everything for you so you can get back to normal as soon as possible.

If you were at-fault for the accident, normally you would contact your insurer and they should be able to do this for you. Being your fault, you will have to accept that you will lose your no-claims bonus and that you will have to pay whatever excess you have on your policy.


I am not at-fault so my insurance claim does not cost me anything – does it?

You won’t have to look far on the internet forums to find out the answer to this question. More and more people are discovering that a claim that should not cost them anything - is actually costing them money.

Basically, an insurer views any claim on an insurance policy, whether it’s for a fault or a non-fault accident – as a claim.

Does it matter? Well, yes it does, because your next insurance premium is likely to increase even though you were not at-fault. So, it’s now cost you money.

What about my excess? You will almost certainly be required to fork out the excess on your policy too. Yes, you should be able to get this money back, weeks or months later from the at-fault drivers insurer – but wouldn’t it be great if didn’t have to pay it out at all?


Get non-fault accident assistance with Car Call UK

Car Call UK and our partners help thousands of motorists every year get the assistance that they need following an accident, but without making a claim on their own insurance policies.

Our customers choose our service because it provides everything they need and it means they don't have to pay any excess they may have on their car insurance policy. Another key benefit is that your no-claims bonus should not be affected by your independent claim.

In addition to organising your vehicle repairs and replacement vehicle, we also provide you with legal expenses cover to help you recover the costs of any uninsured losses. These could include the recovery accident expenses, lost earnings, travel costs, hire-vehicle costs or personal injury claim costs.

How much does our service cost? All costs and charges are recovered directly from the insurer of the person at-fault.

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

  • We will provide a like-for-like replacement for your damaged vehicle

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

  • Repairs are arranged at one of our approved accident repair centres or at a repairer of your own choice

  • Your vehicle repairs are fully guaranteed and are carried out according to manufacturer specifications

  • 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 driver’s insurer on your behalf

  • Impartial help and advice from our 24/7 help line



To find out more about our service, 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 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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