No-fault car accidents or motorbike accidents


Having a car or motorbike accident can be a very traumatic and stressful experience. If the accident occured through no fault of your own it is also infuriating to realise that your insurer may effectively penalise you by increasing your insurance premiums as a result of your claim.

The problem lies in the fact that some insurers view any car or motorbike accident as a claim, regardless of whether you were responsible for it or not.

Some motorists and motorbike riders may just assume that they have no other option but to 'bite the bullet' and have their car or motorbike accident claim processed by their own insurer in the 'conventional' way. This may not only result in the loss of their no-claims bonus but will invariably mean that they will have to pay any excess amount on their policy initially with the possibility of claiming this sum back at some later date.

A no-fault car accident or motorbike accident can actually be processed independently of your own insurer and still receive the same and in many cases, a significantly better level of service than would normally be available.


How does an independent no-fault car or motorbike accident claim work?

At Car Call we and our partners can notify your insurer about the accident, but it will be marked as 'for information purposes only' and as such should not affect your no claims status.

We will then discuss the circumstances of your accident with you and locate an approved accident repair centre that is convenient to your location. We will then organise a replacement vehicle for you that matches as closely as possible the make and model of your original vehicle and arrange for it to be delivered directly to your door.

If you need to make a compensation claim for any injuries, or you need to recover any lost earnings or expenses you may have incurred as a result of your car or motorcycle accident, we will put you in touch with the solicitors we work with. They specialise in dealing with all aspects of road traffic accident claims and so you can be assured that they will achieve the best possible outcome for you.

None of our services require you to pay any costs because we will simply recover of these on your behalf, directly from the at-fault party's insurance company.

At every stage of your no-fault accident claim we will let you know exactly what is happening, saving you both time and money.

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