Why non-fault motorcycle accident insurance claims can cost you money


Most people would expect a motorcycle accident insurance claim not to cost them anything if they were not the person responsible.

This is for the most part true, however it can actually end up costing you money for a number of reasons:

  • You will almost certainly have to pay your excess up-front before your motorcycle is repaired. This may have to be recovered months later

  • You are likely to lose your no-claims discount for the year

  • The cost of your future insurance will probably increase as a result of your non-fault insurance claim



Our independent claims service is the solution

Car Call and our partners helps thousands of road users every year by resolving all aspects of their accident claim independently of their insurers.

How does this work- well its actually quite simple.

We take the details of your accident and arrange the assistance you need. When your claim is complete, we and our partners recover the costs directly from the at-fault driver’s insurer.

There is no need to contact your insurer – we do that for you. They will be notified about your accident “for information purposes only” so you have fulfilled your insurance obligations without actually having to make a claim.


What we do

We arrange all of these services for you, you don’t have to do a thing.

We get progress reports, chase the repairs and ensure all aspects of your claim are resolved promptly and efficiently.

The services we provide are shown below: -

  • An independent automotive engineer will inspect the damage to your motorcycle and prepare an estimate

  • We arrange repairs for your motorcycle at an approved repairer or at a repairer of your choice

  • We arrange a like-for-like replacement motorcycle hire or car hire if you have a full licence, to be delivered to your home or place of work

  • We will look to recover the costs of any damaged clothing and equipment

  • We can recover lost earnings if you are unable to work due to injury

  • Your appointed solicitor will pursue injury compensation settlement if you wish to do so



To find out how we can help after your motorcycle accident, call us today on 02392 484 244 and our UK based claims team 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