Will a non-fault claim affect my insurance?
Yes - it can, but how much it affects your insurance comes down to how you claim.
Your 2 options after a non-fault accident
Option 1: Claim through your own insurer
- Your insurer claims against your own policy.
- They make you pay your policy excess.
- Your NCB can be reduced or removed entirely.
- Your insurance premium could increase at renewal, especially while the claim is open.
Option 2: Claim with Auto Claims Assist
- We claim against the at fault driver’s insurance policy.
- You don’t pay an excess.
- Your NCB is protected.
- No open claim on your own policy.
- There’s no cost to you for our services.
For more information about how a non-fault claim affects your insurance, read our guide here>
Speak to our accident experts.
- Find out how we can help
- Start your claim
Full-service claims management that puts you first
We don’t just help you minimise the impact on your insurance - 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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