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Motor Accident?

Will a no-fault accident affect my car insurance


Many people mistakenly believe that if a car accident is not their fault, it does not affect their insurance. Actually - it does.

When an insurer ‘deals’ with your accident repairs etc. for you, you are making ‘a claim’.

It does not matter whether it’s ‘his fault’, ‘her fault’, ‘your fault’ or ‘their fault’ – it’s still a claim on your policy.

So the effect of a no-fault car insurance claim on your policy will be: -

  • You will probably have to pay your excess before your vehicle can be repaired

  • The cost of your insurance is likely to increase as a result of your non-fault claim

  • You may lose your no-claims discount



This is why thousands of motorists every year choose not to make no-fault on their car insurance policies and use our alternative claims assistance.


Will you get my car repaired and a replacement?

If you were not responsible for the accident and you need your vehicle repaired, you can choose between a claim on your car insurance policy which has the disadvantages mentioned above, or you can use our service instead.

All costs and charges are recovered directly from the insurer of the person at-fault for the accident.

We independently help thousands of motorists every year get the assistance they need without any of the disadvantages of a claim on their own car insurance.

Not only will you probably save money by using our service, but you will find our service is usually better than that of your own insurance provider.

You will get your vehicle repaired at one of our network of approved Accident Repair Centres. We will also deliver a like-for-like replacement hire vehicle to you if yours is unroadworthy, so you have a quality vehicle to use instead of an old garage ‘courtesy’ car.

The solicitors we work with can also help you recover the costs of any uninsured losses. These could include the recovery accident expenses, lost earnings, travel costs, hire-vehicle costs or personal injury claim costs.

It does not matter what type of insurance cover you may have on your vehicle, we act independently of your insurer, so all our customers are entitled to the following services: -

  • We provide a like-for-like replacement for your damaged vehicle

  • Your replacement is delivered typically on the day we accept your claim

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

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

  • Legal assistance can be arranged for accident related issues such as the recovery of expenses, lost earnings or claims for compensation

  • We and our partners recover costs and charges directly from the at-fault driver’s insurer on your behalf

  • Help and advice from our 24/7 help line



To get the assistance you need without a claim on your car insurance, 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 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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