How to save money on car accident insurance


When you make an accident claim through your insurer and the accident was not your fault, you will still lose your no-claims discount. This sounds unfair but it is actually a common practice amongst insurers. Consequently your next annual insurance premiums are likely to increase.

Despite being the innocent party you may also be expected to pay your policy excess towards the cost of repairs to your car. As the accident is not your fault, you are entitled to claim back this expense via your insurer but it may not be an easy process. You may even have to make your claim from the at-fault drivers insurance company yourself.

So how can you avoid this inevitable increase in your insurance costs and the hassle of claiming your excess back?

Simple, call Car Call first.

How a claim with Car Call and our partners can save you money

Both of these issues can be easily avoided if you make your claim through Car Call.

We specialise in managing all aspects of non-fault motor accident claims on your behalf, so you do not have to claim through your insurance company.

We not only arrange for your car to be repaired by one of our approved repair centres, but we can also provide you with a quality like-for-like replacement hire for you to use for the duration of the repairs. We and our partners recover the costs and expenses directly from the at-fault driver’s insurance company.

This means that your insurance record will not be affected, there will be no change in your yearly premiums due to reduced no claim bonus discount, and there will be no excess to pay.

All the arrangements will be made by a claims advisor on your behalf, and they will keep you fully informed throughout the claims process.

Compensation for injuries

If you have been involved in a car accident that was not your fault, Car Call and our partners can help you make a compensation claim for you or your passengers in the event of an injury.

If you have any neck, shoulder, back pain or headaches in the days following the car accident, you may have suffered a whiplash injury. The solicitors we work with are leading industry professionals specialising in all types of car accident injury compensation claims. You can be assured that you will receive the full compensation amount appropriate to your claim, with no hidden costs or deductions.

The best way to find out if you have a claim and how much compensation you could be due is to talk to a qualified professional. Whiplash is a common injury sustained in many car accidents, and if you believe you have any of the symptoms associated with this injury, it's definitely worth getting it checked out by a GP.

If you have had an 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