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Motor Accident?

Why do I pay insurance excess if I am not at-fault?


Car insurance companies don’t really care whether your road accident was your fault or not.

Because you are still making use of their service to assist with your accident, then as far as they are concerned - you are still making a claim. So, you are still obliged to pay your agreed excess (at least initially) towards the cost of your repairs, whether you were the guilty party or the innocent victim in the car accident.

It’s true you should be able to claim this money back from the at-fault driver’s insurer. This however could be many weeks or even many months later.


Is there any other way I can get my car repaired without an insurance claim?

Our independent claims service has helped thousands of motorists get the assistance they need without having to claim on their own car insurance.

We provide assistance under what is known as a credit-repair basis. This means that you will not have any costs or charges to pay for the services we provide, because we will arrange for these costs to be recovered from the at-fault driver’s insurer on your behalf.


We provide the full range of accident related services to our customers too

Regardless of the type of cover you have on your insurance policy, our comprehensive claims service provides you with the following:

  • There is an alternative to a claim on your own car insurance

  • You will have no excess to pay

  • We deliver a like-for-like replacement for your vehicle if it is un-roadworthy and/or being repaired

  • Your replacement will be delivered typically within 3 hours of accepting your claim

  • We arrange guaranteed repairs for your vehicle at one of our approved accident repair centres

  • Repairs alternatively can be arranged at a garage of your own choice

  • Legal assistance will be arranged for the recovery of your expenses, lost earnings or claims for compensation

  • Help is available 24/7 for all your claim queries




To save money on your insurance 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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