Why make a non-fault car insurance claim?


Many motorists still assume that the best way to deal with any car accident is to let their car insurance provider deal with it.

It is true that in the case of an accident where you were the person at-fault, yes you will have to make use of your car insurance policy and make a claim.

However, if you were not responsible for the car accident, not only do you not have to use your insurer – it is actually more cost effective not to.


Why you save money by not making non-fault claims on your insurance

More and more people are discovering that a non-fault insurance claim that should not cost them anything - is actually costing them money.

Even if you were not at-fault for an accident and you make a claim, your insurer will consider you to be ‘more of a risk’ than if you didn’t make the claim in the first place. So if they think they may have to pay out for another claim, then that means the cost of your insurance is going to increase the next time you re-insure your vehicle.

This is the price you pay for being the innocent victim of someone else’s careless driving.

There is also another cost you may have to pay – your excess.

If you make any accident claim on your car insurance, you will almost certainly still have to pay your excess. This can be a considerable sum of money to find for many people. Yes, you should be able to claim this money back at a later date (this could be weeks or even months later) - but why should you have to pay this in the first place?

Well, you don’t have to put up with either of these costs - or in fact - any costs at all, if like thousands of motorists every year – you use our independent non-fault claims service instead of your insurer.


Our service provides an alternative to a claim on your own insurance

Car Call 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 service provides everything they need and it means they don't have to pay their excess or affect the cost of their future insurance.

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.

All costs and charges are recovered directly from the insurer of the person at-fault.

It does not matter what type of cover you have on your own car insurance policy, because we act independently of your insurer, all our customers are entitled to the following services: -

  • 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 non-fault claims 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 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