Will a no-fault car insurance claim make my insurance costs go up?


Unfortunately, the answer to this question is almost certainly – yes.

There is however an alternative way to resolve your accident repairs, that doesn’t require a claim on your car insurance and does not cost you anything at all.


Don’t increase the cost of your car insurance with a no-fault claim

Car Call independently helps thousands of people every year resolve their no-fault claims – enabling them to avoid the disadvantages of a claim on their own car insurance policy.

We and our partners organise your vehicle recovery, your replacement hire-car, your repairs and even your legal assistance. When your claim is complete and you are happy with the outcome, we will recover the costs involved directly from the insurer of the person at-fault for the accident.

You do not have to make a claim on your own insurance policy.

Your own insurer will be notified for information purposes only as required by the terms of your policy, but they will not deal with the claim, so your next insurance premium should not increase due to your accident. In addition to this, because you are not claiming on your policy, you won’t have to pay your excess either.


Seamless accident aftercare for no-fault drivers

We arrange and coordinate everything for you, enabling you to get on with your daily activities with the minimum of disruption.

As we are not restricted by the terms of your insurance policy, it enables us to provide the best possible to you.

The benefits of our service are shown below: -

  • You do not have to claim on your own insurance policy

  • There is no excess to pay

  • The cost of your car insurance should not increase

  • You are provided with a like-for-like replacement hire-car to use for the duration of the repairs to your own vehicle

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

  • If your vehicle is deemed to be a total loss or ‘write off’, you can use your replacement vehicle for up to 7 days after you receive your total-loss settlement cheque

  • We can deliver your replacement vehicle to your home or place of work typically within 3 hours of accepting your claim

  • We arrange for your vehicle to be repaired at one of network of approved accident repair centres or at repair centre of you choose yourself

  • Legal assistance can be arranged for the recovery of expenses, lost earnings and claims for personal injuries

  • Help and advice is available with your claim from our friendly UK based team



To make a claim independently of your insurer, 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 like-for-like 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 like-for-like 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