Will I lose my no claims if someone hits my car?



Even if someone hits your car and you make a claim for the damage on your insurance – it is likely that you will lose your no-claims bonus.

Remember it is a ‘no-claims bonus’ and not a ‘no-blame bonus’.

It is also important to remember that you will also probably have to pay the excess on your policy before your car is repaired. Your next insurance premium will likely increase too.


Is this the only way to resolve my accident?

Car Call and our partners help thousands of motorists every year get the assistance that they need following an accident, but without an insurance claim.

We provide an independent alternative to a claim on your own insurance.

You don’t claim on your car insurance policy so you don't have to pay your excess or affect the future cost of your insurance.

In addition to organising your vehicle repairs and replacement hire vehicle, we also arrange legal assistance to help you recover the costs of any uninsured losses such as expenses, lost earnings, your vehicle repairs, travel costs, hire-vehicle costs and assistance to pursue personal injury claims.

Costs and charges are recovered directly from the insurer of the person responsible for the accident when your claim is complete.

Our service: -

  • We will provide a comparable replacement for your damaged vehicle

  • The replacement vehicle is delivered typically on the same day we accept your claim

  • Repairs are arranged at one of our approved accident repair centres or at a repairer of your own choice

  • All your repairs are fully guaranteed and are carried out according to manufacturer specifications

  • The solicitors we work with will assist you with 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

  • Expert 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 comparable 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 comparable 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