Uninsured losses following a motor accident?
Many people believe that their insurance covers everything that gets damaged in a road accident; this however is not always the case. If you have concerns that you have lost something of value as a result of a road accident, call us on 02392 484 244 and we will be happy to help.
Items that are damaged but not included on your car insurance policy are known as 'uninsured losses'.
We all carry items of significant value in our vehicles occasionally like laptops or tools, but some items may be virtually permanent fixtures, like roof racks, car seats and in-car TV's.
In the case of a motorcycle rider there may be expensive but essential safety equipment such as helmets, boots and protective clothing.
The cost of replacing these items can soon mount up, so unless you are already covered on your policy, you could find yourself substantially out of pocket.
We and our partners help thousands of people every year make accident claims independently of their insurers. We and our partners recover costs directly from the insurer of the at-fault driver, so there is an alternative to a claim on your own policy.
Regardless of what type of cover you have on your vehicle, we may be able to provide the following assistance for you following your accident:
- Legal assistance with the recovery of un-insured losses
- Repairs to your vehicle at an approved accident repair centre
- Alternatively we can arrange for your repairs to be carried out at a garage of your own choice
- A comparable replacement vehicle for you to use if yours is un-roadworthy and/or being repaired
- Legal help with claims for injury compensation
- No excess to pay on your policy
- Prompt assistance from our 24 hour helpline
To find out if we can help you, call us on 02392 484 244, or use the form on this page and we will contact you.
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.
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.
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 comparable 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 comparable 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.
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 comparable 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.
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:
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
