Do you pay insurance excess if it’s not your fault?
No – you don’t have to pay your excess if the accident wasn’t your fault.
Your 2 options after a non-fault accident
Option 1: Claim through your own insurer
- Your insurer claims against your own insurance policy.
- They make you pay your policy excess.
- After the claim (min. 2-3 months), it’s possible to get your excess back.
- However, you might not always get it back.
Option 2: Claim with Auto Claims Assist
- We claim against the other driver’s insurance policy.
- There’s no policy excess to pay.
- Your insurance is left unaffected.
- You aren’t left out of pocket.
- There’s no cost to you for our services.
For more information about paying excess, read our ‘paying excess’ guide here >
Full-service claims management that puts you first
We don’t just help you avoid paying your excess - we help you through the entire process with better care, better outcomes, and less stress.
| 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 |
Talk to one of our Specialist Advisors
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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