Will I lose my no-claims discount if I am not at fault

If you are involved in a car accident and you are not at-fault, you will probably lose your no claims discount. You may be able to claim the money you lose out on back via from the at-fault drivers insurer at a later date.

Unfortunately, this is not the only effect a no-fault claim can have on your policy.

As you are making a claim (fault or non-fault – it makes no difference), your insurance provider will almost certainly regard you as being more likely to have another accident in the future. This increased risk will be reflected in an increase in the annual cost of your insurance.

Also, if you have an excess on your policy, you will probably have to pay this out before your vehicle is repaired and then recover the money back later from the at-fault driver’s insurer.

There is however there is an alternative to a claim on your car insurance that should not affect the cost of your annual car insurance.

Independent non-fault accident assistance

Car Call is completely independent of any insurer. We assist thousands of drivers every year, so they don’t have to make costly claims on their own car insurance.

Your vehicle is repaired at a local accident repair centre and you are provided with a comparable replacement car whilst your own car is un-roadworthy and being repaired.

We and our partners recover the costs directly from the insurer of the person at-fault.

We will contact your insurer and let them know about your accident ‘for information purposes only’, but they won’t handle the claim for you so none of the disadvantages mentioned above will apply.

How can help you after a traffic collision

Our service is essentially the same as your insurer, except that there are likely to be fewer restrictions on how long you can use your replacement hire-car for example. Also you are not limited to the Accident Repair Centre we suggest for you, you can choose your own repair centre if you like.

When your repairs are complete and you are happy with the result, we and our partners recover the costs associated with your accident directly from the at-fault driver’s insurer.

If you are not at-fault for the accident, we can arrange the following services for you:

  • Provide you with a comparable replacement for your un-roadworthy vehicle

  • Your replacement vehicle ca be delivered to your home or place of work, typically on the same day you start your claim

  • The damage to your vehicle will be assessed by an independent automotive engineer

  • Repairs to your vehicle can be carried out at one of our approved accident repair centres or at a repair centre of your own choice

  • Repairs to your vehicle are fully guaranteed

  • Legal assistance can be provided for issues ranging from the recovery of expenses to claims for injury compensation

  • We provide 24/7 help and advice throughout the claims process

To get your accident repairs resolved without a claim on your insurance, 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