Does a no-fault claim increase my insurance costs

Almost certainly yes.

Insurers work out the cost of your next insurance premium based on a variety of factors – your age, where you live, the value of your car and - the number of claims you have made in the past. Whether they are fault or non-fault, it doesn’t matter – the cost of your insurance will probably go up.

Well there is not much I can do about that – is there?

Unfortunately, no one can assist you with an accident that is your fault, except your insurer.

But, if you were not responsible for an accident, we and our partners can provide you with the assistance you need – without a claim on your car insurance.

What’s the catch, how much will it cost?

We arrange the assistance you need – including a hire-car, ensure your vehicle is repaired to your satisfaction and then recover the costs back from the at-fault driver’s insurer.

Thousands of people use our service every year – because it just makes sense.

I’m not sure I can be bothered – is it worth it?

Well, if you use your insurer, you will have to find the money to pay your excess first – before they will even start work on repairing your car.

Then, many months down the line (after they have eventually recovered your excess) – you will get the bill for your next year’s insurance and it will have gone up as a result of your non-fault claim.

Our service avoids this completely, because we independently provide the help that you need and recover the costs back from the at fault driver’s insurer – so your vehicle is repaired at the expense of the at-fault driver, not yours.

Will you give me a hire-car?

We arrange for a comparable replacement hire-car to be delivered to you, typically within 3 hours (if your vehicle is un-drivable) of accepting your case.

Most of our vehicles are less than 6 months old and we will always do our best to provide you with a vehicle that suits your needs.

Is it repaired at a decent garage?

We have a network of approved accident repair centres which we know and trust to deliver the high standard of repairs that our customers expect.

If you don’t like our choice of accident repair centre, you can choose your own.

Can you help me claim injury compensation?

The solicitors we work with can help you pursue a compensation claim for your injury if you wish. They will always look to achieve the best possible outcome for your particular situation.

To find out more about our services call 02392 484 244 or make an enquiry here and will call you back.

Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected. `

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 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.

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