Why a non-fault accident insurance claim may increase your insurance costs


You only have to do just a little research on the internet to find countless people who have discovered to their horror that their insurance premiums have increased following car accidents that they were not responsible for. So why does this happen?

Insurers calculate their policy premiums based on an assessment of the risk or likelihood of you being involved in a collision. For free help and advice with your accident claim, call us now on 02392 484 244.

Initially when you apply for an insurance policy you will be asked many questions about yourself and your previous driving history. All this information will then be processed with each piece of information either adding or subtracting from your final quote depending on the results of your perceived risk assessment.

All insurers will assess these risk factors differently and so these quotes will vary considerably. Other factors that may affect your quote will be the limitations of the cover offered (ie. the small print!) and of course any other additional features you may have selected such as breakdown cover for example.

If you have a car accident that is partly or wholly your fault, the insurer may increase your risk factor and your premium costs accordingly.

However if you have an accident that was not your fault many insurers may still consider that you are still more likely to be involved in an accident in the future, and so this extra risk may also result in an increase in your premium.

Here at Car Call we and our partners can report your accident to your insurer, but actually handle the claim on your behalf. This means that you will receive many of the benefits you would expect from your insurance policy, without an increase in your premium.

We can arrange for repairs to your vehicle by one of our approved repairers or a repairer of your choice. A like-for-like replacement vehicle will be provided and also any legal assistance you may need.

We will recover of these costs on your behalf directly from the at-fault drivers insurer, leaving you to get on with your daily routine with the minimum of disruption.

Whatever the circumstances of your accident, we will do our very best to help you in any way we can - so please contact us on 02392 484 244 and our UK based claims team will be happy to help.


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