Will my insurance premium go up after my car accident?


Anyone who has read some of the terrible experiences people have had at the hands of their insurers, will know that drivers are frequently annoyed when their insurance premium shoots up – even after a claim for an accident that was not their fault.

So - yes, your insurance premium is likely to go up, whether you were at-fault or not.

The reason is the cost of your insurance is mainly based on the number of claims you make on your insurance policy and not whether you were responsible for the accidents or not


I want my car repaired, but I don’t want my insurance to increase

If you have had a non-fault accident, but you don’t want your next insurance premium to increase, then you can make an accident claim independently of your insurer.

The services we provide are the same and often better than those available on a comprehensive car insurance policy – but the difference is: -

  • You do not make a claim on your car insurance

  • You do not pay any excess

  • Your insurance premium should not be affected

  • Our service does not cost you anything

  • We and our partners recover costs directly from the at-fault party’s insurer



How could your services be better than those offered by my insurer?

Anyone making a non-fault claim on their car insurance would expect 3 basic services to be provided – your car is repaired back to how it was, you get a temporary replacement and they help you recover any expenses and arrange compensation if appropriate.

None of these services should cost you anything, it should all be paid for by the insurer of the at-fault driver.

On a ‘typical’ car insurance policy: -

  • Your car will probably have to be repaired at a repair centre specified by your insurer. If you want to use your preferred repairer, you may be penalised financially for it

  • If you are entitled to a replacement vehicle, it may be restricted to a small saloon or hatchback, rather than a genuine like-for-like replacement

  • Legal assistance may only be an optional extra on your policy

  • You are likely to have to pay whatever excess you have on your car insurance up-front and then wait for your insurer to recover the money at a later date

  • The cost of your insurance when it is renewed is likely to increase as a result of your non-fault car insurance claim. Which is a cost you should not have to pay



How our service is better

Car Call and our partners help thousands of drivers every year, by enabling them to get non-fault accident assistance without a claim on their car insurance.

Because we are completely independent of any insurer, it means we and our partners can provide exactly the services you are entitled to, rather than the restricted set of services you may have on your car insurance policy.

The following services are available to you, regardless of the type of insurance cover you can afford and provided you were not responsible for the collision.

  • 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 our network of approved accident repair centres or at repair centre of your own choice

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

  • All costs and charges are recovered from the at-fault drivers insurer on your behalf



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