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 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