Car accident claims excess


If you make a car accident claim on your insurance for an accident that was not your fault, you will almost certainly still be required to pay the excess on your policy.

By helping people make their claims directly from the at-fault drivers insurer, it means that you do not have to make a claim on your own insurance policy or pay your excess. Call 02392 484 244 and an experienced advisor will be happy to help.


Why do I have to pay my insurance excess when I am not at fault?

The reason why you may have to pay the excess on your insurance even when you did not cause the accident is because you are still making a claim on your policy.

Having an excess on your car insurance policy reduces the amount you pay for insurance because your insurer does not have to cover the full cost of the repairs to your vehicle. Obviously the higher the excess, the less you will have to pay annually to insure your vehicle.

This is fine of course - until you have to make a claim on your policy to get your vehicle repaired!


If we handle your claim, you don't have to pay your excess at all!

It's still surprising to us, how many people still think they have to use their car insurance policy for every accident involving their car. Not only is this not true, but by using our independent claims service we could also save you money.

If you were not at-fault for the accident, we can independently deal with your vehicle repairs, give you a quality like-for-like replacement for your damaged vehicle and arrange legal assistance for you.

You may be wondering who pays for all this; well, you don't.

We and our partners recover the costs of the assistance we provide, directly from the insurer of the driver responsible for the accident.

Another additional benefit of not claiming on your insurance is that your annual insurance premium should not increase.


Do I have to tell my insurer anything?

You will have to contact your insurer and tell them you have had an accident, but you are telling them "for information purposes only". This means you have fulfilled the terms of your insurance policy and it also makes it clear that they are not providing services for you, so a claim is not registered on your policy.

How we help you after your accident

We provide a comprehensive accident aftercare service to all our customers regardless of the type of insurance cover they may have.

The benefits of our service include:

  • No excess to pay

  • Your no claims bonus should not be affected

  • Provision of like-for-like replacement vehicle for you to use if yours is un-roadworthy and /or being repaired

  • Your replacement vehicle will be delivered to your home or place of work, typically within 3 hours of starting your claim

  • Your vehicle will be repaired at an approved accident repair centre or at a repair centre of your own choice

  • Legal assistance can be arranged for all your accident related issues

  • Costs and charges are recovered directly from the at-fault drivers insurer on your behalf

  • Our claims Help Line is available 24/7 to assist with your queries


If you have had car accident that was not your fault, please call us now on 02392 484 244 for free help and advice from one of our experienced claims advisors.


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