Non-fault car insurance claims can actually cost you money

Many people still believe that the only way to resolve the consequences of a road traffic accident is to make a claim on their car insurance.

As far as non-fault accidents go, this has not been true for a long, long time.

In this situation, you now have 2 options. Either make a claim on your car insurance - which is likely to cost you money or make your non-fault accident claim independently of your insurer.

How does a non-fault car insurance claim cost me money?

  • You will probably have to pay your excess before your vehicle can be repaired. So you will be out-of-pocket for several months at least, before you can get your money back from the at-fault drivers insurer

  • The cost of your insurance is likely to increase as a result of your non-fault claim. Because your insurer will now view you as a higher insurance risk because of your claim.

Making your accident claim independently of your insurer means you can get your vehicle repaired and have a replacement hire-car – but without the disadvantages of a claim on your car insurance policy.

Compare our services to those of your own car insurance policy

We and our partners help thousands of people every year make independent non-fault car accident claims.

We provide the assistance they need to get their vehicles repaired, whilst ensuring that they stay mobile with a comparable replacement hire-vehicle to use in the meantime.

Our service ensures that your accident related issues are resolved promptly and with the minimum of disruption to your daily activities.

These include: -

  • A comparable replacement for your un-roadworthy vehicle

  • We deliver a replacement vehicle to you typically within 3 hours (if your vehicle is un-drivable) of starting your claim

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

  • Your own vehicle will be repaired at one of our UK wide network approved accident repair centres

  • If you want to use a specific manufacturer approved repairer or garage, we can arrange this for you

  • Legal assistance with all your accident related issues

  • 24/7 advice and assistance with your accident claim

To get assistance with your non-fault accident now, 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