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Motor Accident?

Why you don’t have to pay any insurance excess on a car accident that was not your fault


If you make a car accident claim on your insurance for an accident that was not your fault, you will almost certainly still have to pay the excess on your policy.

Unless of course, you use our independent claims service instead.

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.

By helping people make their claims independently of their insurer, it means that you do not have to make a claim on your own insurance policy or pay your excess.

Call 02392 484 244 and an experienced advisor will be happy to help.


Why do I have to pay my insurance excess when I am not at fault?

You have to pay the excess on your insurance even when you did not cause the accident isit’s because you are still making a claim on your policy.

Excess on your car insurance policy reduces the amount you pay for insurance. Consequently, your insurer does not have to cover the full cost of the repairs to your vehicle and of course, the higher the excess the less you will have to pay annually to insure your vehicle.


Do I have to speak to my insurer?

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

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


How we help you

Our comprehensive accident aftercare service is available to all our customers regardless of the type of insurance cover they may have.

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 of your own choice

  • 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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