Get a quality hire-car instead of a courtesy car without changing your car insurance

If you drive a mid to high-value vehicle, the ‘courtesy car’ you will be offered as a replacement is unlikely to be a vehicle that even approaches the quality of your own. This is because small saloons and hatchbacks are likely to be the only type of vehicles that are available from your repairer as your ‘courtesy car’ option.

Some people find the terms 'courtesy car' and 'replacement vehicle' confusing.

A 'courtesy car' is typically provided at the discretion of the accident repair centre that is repairing your vehicle and is rarely provided on a comparable basis.

A 'replacement vehicle' is typically a vehicle that is of a specified type under the terms of your car insurance policy and is supplied at an additional cost to your policy.

If you are involved in a non-fault accident, you are entitled to be supplied with an equivalent replacement vehicle to use while yours is repaired.

Car Call provide independent assistance for people involved in non-fault road accidents. We have no connection with any insurers.

In addition to provision of high-end replacement vehicles, you avoid a claim on your car insurance – so you have no excess to pay and your insurance premium should not increase as a direct result of a claim. We also arrange for your own car to be repaired at an approved accident repair centre too.

Who pays for my assistance?

All costs are recovered directly from the at-fault driver’s insurance company on your behalf.

Thousands of people every year avoid un-necessary insurance claims by using our service. Here are the services you are entitled to: -

  • A comparable replacement vehicle for you to use for the duration of your accident repairs

  • Your vehicle will be repaired at one of our approved repair centres or at a repair of your own choice

  • Legal assistance from our partner solicitors is provided with all your accident related issues

  • 24/7 support and advice from our experienced claims team

If you would like to know more about our service, simply call 02392 484 244 and we will be happy to help.

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