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Motor Accident?

Will a non-fault accident affect my insurance?


Any non-fault claim on your car insurance policy is likely to have an effect on the cost of your insurance in the future.

If you have an accident and you were at-fault, your insurer would perhaps reasonably assume that you may not be the best driver in the world and so you are more likely to have another accident in the future. The problem is, even when you are not at-fault – your insurer still (perhaps unfairly) regards you as a being a higher risk of having another and so they increase your next insurance premium.

Initially when you apply for an insurance policy you may be asked many questions about yourself and also your previous claims history. All this information will then be processed with each piece of information either adding or subtracting from your final quote depending on the results their risk assessment.


Can I get my car repaired without a claim on my car insurance?

Yes, like thousands of motorists every year, we can independently help you resolve all the issues surrounding your car accident – without a claim on your car insurance.

If you have been unfortunate enough to have been involved in a road traffic accident, you will not only need to get your vehicle repaired but you are also likely to need a replacement hire-car and possibly legal assistance as well.

We can independently assist you following a non-fault traffic collision by providing the services, support and advice you need to resolve your accident issues but without the need to make a claim on your car insurance policy.

Because you are not responsible for the accident, our service does not cost you anything because we and our partners recover the costs of these services directly from the insurer of the at-fault driver on your behalf.

How our service benefits you: -

  • An alternative to a claim on your own insurance policy

  • Our experienced advisors will make all the arrangements for you, so you don't need to worry about anything

  • If you are able to drive, we will provide you with a like-for-like replacement for you to use if your vehicle is un-roadworthy and being repaired

  • We will arrange for the repairs to your vehicle to be carried out at one of our network of approved accident repair centres

  • Your repairs can alternatively be carried out at a manufacturer approved repairer or a repair centre of your own choice

  • If you need legal advice or assistance, the solicitors we work with will deal with these issues for you


To find out how we can help you, 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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