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Motor Accident?

Will I lose my no-claims discount if I am not at fault


If you are involved in a car accident and you are not at-fault, you will probably lose your no claims discount. You may be able to claim the money you lose out on back via from the at-fault drivers insurer at a later date.

Unfortunately, this is not the only effect a no-fault claim can have on your policy.

As you are making a claim (fault or non-fault – it makes no difference), your insurance provider will almost certainly regard you as being more likely to have another accident in the future. This increased risk will be reflected in an increase in the annual cost of your insurance.

Also, if you have an excess on your policy, you will probably have to pay this out before your vehicle is repaired and then recover the money back later from the at-fault driver’s insurer.

There is however there is an alternative to a claim on your car insurance that should not affect the cost of your annual car insurance.


Independent non-fault accident assistance

Car Call UK is completely independent of any insurer. We assist thousands of drivers every year, so they don’t have to make costly claims on their own car insurance.

Your vehicle is repaired at a local accident repair centre and you are provided with a like-for-like replacement car whilst your own car is un-roadworthy and being repaired.

We and our partners recover the costs directly from the insurer of the person at-fault.

We will contact your insurer and let them know about your accident ‘for information purposes only’, but they won’t handle the claim for you so none of the disadvantages mentioned above will apply.


How can help you after a traffic collision

Our service is essentially the same as your insurer, except that there are likely to be fewer restrictions on how long you can use your replacement hire-car for example. Also you are not limited to the Accident Repair Centre we suggest for you, you can choose your own repair centre if you like.

When your repairs are complete and you are happy with the result, we and our partners recover the costs associated with your accident directly from the at-fault driver’s insurer.

If you are not at-fault for the accident, we can arrange the following services for you:

  • Provide you with a like-for-like replacement for your un-roadworthy vehicle

  • Your replacement vehicle ca be delivered to your home or place of work, typically on the same day you start your claim

  • The damage to your vehicle will be assessed by an independent automotive engineer

  • Repairs to your vehicle can be carried out at one of our approved accident repair centres or at a repair centre of your own choice

  • Repairs to your vehicle are fully guaranteed

  • Legal assistance can be provided for issues ranging from the recovery of expenses to claims for injury compensation

  • We provide 24/7 help and advice throughout the claims process



To get your accident repairs resolved without a claim on your insurance, call 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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