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Motor Accident?

I can’t pay my excess after an accident


It only takes a quick look around the internet forums to read about motorists complaining about having to pay their excess and/or increased insurance costs, thanks to a careless driver damaging their car.

We agree that this is not a fair situation - that is why thousands of people every year use our independent non-fault claims service instead of a claim on their car insurance.

By helping people make their claims independently of their insurers, it means you do not need to make a claim on your own insurance policy or pay your excess at all.

It’s up to you. If your policy provides the legal cover and the assistance you require and you are not concerned about the effect your claim may have on your future insurance costs – you may choose to claim on you own insurance policy.

However using our alternative claims assistance allows you to get your vehicle repaired, a suitable replacement and legal assistance all without potentially losing your no-claims bonus and increasing the future cost of your car insurance.

We and our partners simply arrange all the assistance you need and recover the all the costs directly from the at-fault driver’s insurer.

Call 02392 484 244 and speak to an experienced advisor to see how we can help.


Do I have to tell my insurer about the accident?

We will contact your insurer and tell them you have had an accident, but only "for information purposes only".

This ensures that you have fulfilled the terms of your insurance policy correctly and it also makes it clear that they are not providing services for you, so a claim is not registered on your policy.


Everything you need…

We have been doing this for quite a while now, which means we can arrange everything you need to resolve your accident issues, promptly and efficiently.

The benefits of our service include: -

  • No excess to pay

  • Your no claims bonus should not be affected

  • We provide a like-for-like replacement vehicle for you to use if yours is un-roadworthy and /or being repaired

  • Your replacement vehicle will be delivered to your home or place of work, typically within 3 hours of starting your claim

  • Your own vehicle is repaired at an approved accident repair centre or at a repair centre you can choose yourself

  • Legal assistance will be arranged for any accident related issues

  • All costs and charges are recovered directly from the at-fault driver’s insurer on your behalf

  • The claims Help Line is available 24/7 to assist with your queries



To find out how we can help with an accident that was not your fault, call us now on 02392 484 244 for free help and advice from one of our experienced claims advisors.

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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