What is a non fault claim?
Written by Lukas Stabulionis
Last updated on April 10, 2026
The non fault claim process
A non fault claim directly claims against the other driver’s insurance, rather than claiming against a drivers own policy.
Deciding who to contact is vital
The first mistake non fault drivers make is calling their own insurance first. A driver’s own insurer initiates the claim against their own policy.
Non fault policy excess
An insurer will request payment of policy excess. This isn’t a non fault claim and can be avoided with an Accident Management Company.
Non fault affects to a policy
A general claim will affect a driver’s own insurance, whereas a non fault claim will not affect a driver’s own insurance policy when initiated.
A replacement vehicle
A general claim will provide a basic courtesy car, whereas a non fault claim should provide a like-for-like replacement, at no cost to you.
Avoid the stress of a claim
A non fault claim will focus on keeping inconvenience to a minimum. This includes no stress of managing the non fault claim.
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