Why claim on your car insurance

If you have been involved in an accident and you were entirely responsible for it, you will of course have to make a claim on your insurance. However, if you were not responsible for the accident, we believe the benefits of making your accident claim independently of your insurer are clear.

Read on to find out more, or just call 02392 484 244 and we will be happy to help.

Independent Accident Claim or Car Insurance Claim?

Thousands of motorists every year choose to use our service rather than make a car insurance claim, here’s why: -

  • They cannot afford to pay the excess on their policy

  • They don’t want their next insurance premium may go up

  • Their policy does not include a ‘comparable’ replacement hire vehicle

  • Their policy does not include legal cover

Our non-fault claims service solves all these problems in one go, because we manage your entire accident claim independently of any insurer. We and our partners organise all the help that you need, without you having to claim on your car insurance because we deal directly with the at-fault driver's insurer on your behalf.

Our service provides an alternative to a claim on your own insurance

Our comprehensive accident service enables anyone, regardless of their type of policy or type of vehicle to receive any - or all - of the services below. We and our partners recover the costs on your behalf from the insurer of the at-fault driver at the end of your claim.

How we help you after your accident: -

  • No claim on your own insurance policy

  • No excess to pay

  • You receive a comparable replacement vehicle if yours is un-roadworthy and/or being repaired

  • Your replacement vehicle is delivered to you typically within 3 hours (if your vehicle is un-drivable) of accepting your claim

  • Repairs to your vehicle are arranged at an approved accident repair centre or at a repairer of your own choice

  • Your vehicle repairs are fully guaranteed

  • Your repairer will only genuine branded replacement parts are used

  • We will arrange legal assistance for any accident related issues

To get help with your accident claim, 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