No legal protection on my car insurance?

Not having legal protection on your car insurance could leave you in a difficult position if you subsequently have a road accident.

However we may be able to help you get the legal assistance you need even if you don't have this option on your policy. Call us on 02392 484 244 for free advice.

Maybe you are looking to recover the cost of the recovery or storage of your damaged vehicle, or perhaps you are looking to get compensation because you have been hurt. There are many issues following an accident that may require professional legal help.

Car Call and our partners help thousands of people every year resolve these problems in addition to providing help with the more common issues such as accident repairs and replacement vehicles.

No matter what the circumstances of your accident, our experienced UK based claims team can help you decide the best way forward.

The services we can help you with could include:

  • The opportunity to get the help you need, without having to make a claim on your insurance policy

  • If a claim on your policy is not necessary, you may not have to pay the excess

  • we and our partners can provide a like-for-like replacement for your vehicle if yours is un-roadworthy

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

  • Repairs to your vehicle can be arranged at one of our approved accident repair centres or at a repair centre of your own choice

  • Professional legal assistance with all aspects of your accident claim


If you are looking for legal assistance or would just like some advice, call us now on 02392 484 244 for free help and advice.


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