No-fault car accident

Have you just been involved in a no-fault accident?

Perhaps you cannot afford to make another claim on your car insurance because it will almost certainly go up? Or maybe it’s going to be a real struggle to find the money to pay your excess?

Don’t worry. Thousands of people every year - just like you, take the opportunity to avoid these worries altogether by using our independent non-fault claims service.

A no-fault claim – without the pain!

Everyone accepts that car insurance is necessary to protect ourselves in the event of an accident, but if the accident is not your fault it can be frustrating if you actually end up out-of-pocket as a result.

We independently help thousands of drivers every year by arranging their vehicle repairs, supplying replacement hire vehicles and providing legal assistance.

We provide the type accident assistance you would expect from a good insurance policy, except we are completely independent – so you have no excess to pay and your non-fault accident claim should not affect the cost of your future insurance.

Great! – so how does it work?

We provide all the services you need to get you back on the road as quickly as possible.

The services below will be arranged for you and at the end of your independent claim, We and our partners recover the costs from the insurer of the person at-fault for the accident on your behalf.

Here is a summary of your services: -

  • We supply a comparable replacement for your vehicle if it is un-roadworthy or being repaired, typically within 3 hours (if your vehicle is un-drivable) of accepting your claim

  • Your replacement vehicle can be delivered to your home or place of work

  • Your damaged vehicle can be repaired at either one of our approved accident repair centres or at a repair centre of your own choice

  • All repairs are fully guaranteed and carried out according to your manufacturers specifications

  • Legal assistance can be arranged accident related issues such as the recovery of lost earnings, uninsured losses or claims for compensation

  • No excess to pay

  • You do not need to claim on your own car insurance policy

  • You can call our experienced UK based claims team 24/7

If you would like us to help with your accident or you would just like some advice, call us on 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