What is a non fault claim?

Last updated on May 7, 2026

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The non fault claim process

A non-fault claim directly claims against the other driver’s insurance, rather than claiming against a driver’s own policy.

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.

An insurer will request payment of the policy excess. This isn’t a non-fault claim and can be avoided with an Accident Management Company.

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 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.

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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