Make a claim with AA Car Insurance


Why you may not want to claim on your insurance after a no-fault accident. Compare our services to those provided in your policy, contact us today.



Get free independent alternative advice by calling Car Call today on the number above and compare our services to that of your insurance company after an accident.

If you have an AA car insurance policy you would normally get in touch with the AA car accident claims line following your accident. For independent advice and assistance with car accident claims call 0330 058 1704 and we will be happy to help.

Being involved in a road accident can be a traumatic experience. We aim to help you get through this by managing all your accident services for you and keeping the whole process as stress free as possible.

If you did not cause the accident that you were involved in, we and our partners can provide you with the help and assistance you need, but we do this independently of your insurer.


What happens if I make a non-fault claim
on my car insurance policy?

There may be disadvantages to making a non-fault claim on your own car insurance policy.

  • You will almost certainly have to pay your insurance excess

  • Your insurance premiums could increase as a result of your claim

  • If your no-claims discount is not protected, you could lose it

  • You may get a courtesy car, but it may not be appropriate for your needs

  • There could be limitations on the length of time you can use the courtesy car for

  • You may not have a choice where your vehicle is repaired

  • Your policy may not include legal support



If some of the above apply to you, we may be able to help you make a claim independently of your insurer

We can independently provide the following services for you:

  • We will recover the costs of your services directly from the responsible drivers insurer on your behalf

  • Provide you with a guaranteed like-for-like replacement for you to use while your vehicle is repaired and if it is un-roadworthy

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

  • If your vehicle is a total loss, you can use the vehicle for up to 7 days after the receipt of your settlement cheque

  • Repairs to your vehicle will be carried out at an approved accident repair centre or at your preferred repairer

  • Your vehicle repairs are fully guaranteed

  • Legal assistance is provided for accident related issues including claims for compensation, vehicle recovery costs and lost earnings


Call 0330 058 1704 if you have any queries 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