Will a non-fault claim increase my insurance?
Claiming through your insurer after a non-fault accident can lead to higher renewal premiums. We provide an independent alternative that handles the claim for you, protecting your premium and no-claims bonus.
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Trusted by 40,000+ non-fault drivers for 16+ years
How claiming through your insurer can increase your premium
An insurer’s core role is to sell policies and pay out when their own customers are at fault. In non-fault cases, they may still handle your claim, but the process is centred around their own efficiency and risk management, not protecting your premium or no-claims bonus.
If you choose this route, they typically open a claim on your policy, and you’ll usually be asked to pay your policy excess upfront.
How this path can lead to an increase:
A claim is started on your policy
Your claim is initially started on your own policy. This is viewed by insurers as an increased statistical risk, even though you weren't to blame.
Your renewal premium is at risk
This increase in risk is often what leads to a higher premium at your next renewal, costing you money in the long term.
Your no-claims bonus can be affected
You can lose your NCB during a slow cost recovery, and the burden is often on you to chase your insurer to get it reinstated later.
How using our service avoids an increase
Our service allows you to bypass your own insurer completely.
You provide us with the details of the non-fault accident, and we act entirely on your behalf.
We build and present the claim directly to the at-fault driver's insurer, meaning your policy is never involved and you have experts fighting in your corner from day one.
How we help avoid an increase:
A clean record is maintained
Your insurance company is not involved. No claim is opened against your policy, which keeps your history clean.
Your renewal premium is protected
Because your record remains clean, you reduce the risk of being penalised with a higher premium at renewal due to the claim.
Your NCB is unaffected
Your no-claims bonus is 100% safe and unaffected from the very start because you never have to make a claim on your own policy.
Understanding your options to claim
Protecting your insurance is just one part of the service. See how we compare across every stage of the claims process - from liability to vehicle replacement.
| Benefits | Your insurer | Auto Claims Assist | Third Party Insurer |
|---|---|---|---|
| Fight for your liability | |||
| Dedicated claims handler | |||
| Comparable replacement vehicle | |||
| Manufacturer approved parts | |||
| Fair write-off valuation | |||
| No excess to pay | |||
| Unaffected no claims bonus |
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Our end-to-end service
We handle every detail of your non-fault claim from the scene of the accident to getting you back on the road. Here is how our comprehensive service works for you:
Roadside recovery if needed
If your vehicle isn't drivable, our first priority is your safety. We’ll recover you and your vehicle from the roadside. We will also arrange for the secure storage of your vehicle while the claim is processed.
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Complete claims management
From your first call, we assign you a dedicated claims handler. Our team of non-fault specialists then manages your claim from start-to-finish, handling all communications and negotiations.
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Comparable replacement vehicle
You will not be left without suitable transport. We provide you with a comparable replacement vehicle—similar in size and spec to your own—and you can use it for the full duration your car is off the road.
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BSI accredited repair / total loss settlement
Our trusted, BSI accredited repair network will repair your vehicle to the highest standards, using manufacturer-approved parts and paints. If your vehicle is written off, we will work to ensure you receive a fair settlement figure.
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Personal injury support
If you or your passengers have been injured in the accident, our partnered personal injury solicitors can provide expert assistance to help you claim the compensation you are entitled to.
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All costs are covered by the at-fault driver's insurer
There is no cost to you for any part of our service. We claim all costs for the recovery, storage, replacement vehicle, and repairs directly from the third-party insurer.
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