How long will it take to refund my car insurance excess
If you are wondering how long it will take to get you excess back after a claim, this is almost impossible to say – even your insurer may not know. Depending on the complexity of your accident claim however, it can take anything from a couple of months to over a year.
If the accident was not your fault and you have not yet started your accident claim, Car Call and our partners can manage your accident claim independently of your insurer – and you do not have to pay out your excess at all. Call us on 02392 484 244 and save yourself the expense of a non-fault car insurance claim.
We and our partners help thousands of UK drivers every year by independently providing non-fault claims assistance that allows people to get their vehicles repaired and we provide you with a quality comparable replacement hire car to use during the repair process.
Why thousands every year choose to avoid making non-fault claims on their car insurance
Particularly when it comes to non-fault accident claims, car insurance providers don’t really deliver the service that they should.There are two main disadvantages to making non-fault claims on your car insurance.
- You are likely to be asked to pay your excess up-front before your vehicle is repaired. This should be recovered at a later date for you, but by using our independent service – you don’t have to pay anyone anything.
- As you have made a claim on your policy, your insurer will consider you to be a greater risk, so the annual cost of your car insurance policy will almost certainly go up.
Our independent claims service allows you to get the benefits of a fully featured car insurance policy – but without a claim on your policy or any cost to you.
Tell me how this works?
First, we will assess the circumstances of your accident and confirm whether the accident is actually your fault or not.Then we will report the accident to your insurer for ‘information purposes’ only – this means you are not actually making a claim on your policy.
We and our partners organise the vehicle recovery, an independent repair estimate, your repairs at an approved accident repair centre, your replacement hire-vehicle and legal assistance.
When everything is complete and you are happy with your repair – we and our partners recover the costs involved directly from the at-fault driver’s insurer on your behalf.
So you don’t make an insurance claim and your car is sorted simple.
All the assistance you could possibly need!
The services provided are shown below: -- We report your accident to your insurer ‘for information purposes only’
- An independent automotive engineer will assess the damage to your vehicle
- We deliver a quality comparable replacement hire-car for you to use whilst yours is repaired
- Your replacement will be delivered to your home or workplace typically within 3 hours (if your vehicle is un-drivable) of starting your claim
- We will organise the repairs to your vehicle at one of our approved accident repair centres, or at a repairer of your own choice
- Your vehicle is repaired according to your manufacturers specifications and to your satisfaction
- We can arrange legal assistance with issues such as recovery of expenses or help with a compensation claim
- We and our partners recover the costs associated with your claim, directly from the insurer of the at-fault driver
- You receive 24/7 support and assistance with all aspects of your claim
To find out how we can help you, call 02392 484 244 and we will get everything sorted for you!
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.
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
