Make an accident claim after a non-fault accident


Making a non-fault accident claim on your policy will almost certainly mean that you will have to pay your excess and may also affect your renewal premium. Car Call independently help thousands of motorists every year by resolving their accident claims independently of their insurer. Call 02392 484 244 for free help and advice


How our claims service helps you

We believe there are a number of clear advantages that our independent claims service can provide over a non-fault claim on your own car insurance policy.

Unfortunately a non-fault accident claim on your car insurance will mean you will initially pay the excess on your policy and also your no-claims discount may be affected. This is because your insurer will almost certainly view your policy discount as a 'no-claims' discount and not a 'no-blame' discount.

We provide our service independently of any insurer. The assistance we provide with your accident claim does not cost you anything because we will recover this on your behalf directly from the at-fault drivers insurer.


I thought I had to make a claim on my own car insurance policy?

You do not have to make a claim on your insurance if you were not at-fault for the accident. We will notify your insurer (as you are required to do) that the accident has occurred and it will be noted purely for information purposes only.

We will then deal with your accident claim in much the same way as your insurer, except we are not bound by the limitations of your particular policy.


Exactly what assistance can you provide?

We aim to provide a comprehensive service to all our customers. This includes all the backup and support you would hope to receive following a road traffic accident.

What we provide:

  • You will receive a like-for-like replacement for your damaged vehicle

  • Your replacement vehicle is delivered typically within 3 hours of accepting your claim

  • Your vehicle can either be repaired at one of our approved accident repair centres or at a repairer of your own choice

  • Your vehicle repairs are fully guaranteed

  • Legal assistance is arranged for accident related issues such as the recovery of expenses, lost earnings or claims for compensation

  • Access to our 24/7 help line


These benefits are available to you, regardless of the type of insurance cover you may currently have on your vehicle.

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