Will an accident that was not my fault increase my insurance premium?


Whether or not your insurance premium increases can depend on the terms of your insurance policy and how many accidents you have had in the past. Call us now on 02392 484 244 if you would like further advice.

Sadly many insurers view a non-fault accident claim in the same light as any other accident claim, and consequently it can still have the effect of increasing your next renewal premium.

It is important to remember that your No Claims Discount is not a 'No Fault Discount'. This means that even though the accident was not your fault, it is still treated as a 'claim' because they are dealing with it for you.

Also the number of claims you have had in the past, regardless of their type, can make your insurer believe that you are more likely to have an accident in the future. This is often reflected in an increase in your renewal premiums.


How we can help

Depending on the circumstances, we may be able to help you receive all the services you would normally expect, without the need to make a claim on your own insurance policy.

We and our partners can provide you with quality accident repairs, a like-for-like replacement vehicle and also professional legal advice. As we and our partners recover the costs of our services directly from the insurer of the at-fault driver on your behalf yourself.

As you are not making a claim with your own insurer, this also means that you will have no excess to pay on your policy and your renewal premium should be unaffected.

For more information simply call us now on 02392 484 244 and we will be happy to help.


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