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Can someone claim on my car insurance without me knowing?

Can someone claim on my car insurance without me knowing?

So, you’ve been involved in an accident. What happens next? Is it possible for a third party to claim on your car insurance without you knowing about it? We’ve got the facts.

Daniel Hutson
From the Motor team
minute read
posted 7 NOVEMBER 2019

What happens after an accident?

If you’ve ever had a car accident, you’ll know that the first step is to report it to the police. This needs to be done within 24 hours of the accident taking place, no matter how minor it is. It’s also essential that you notify your insurance provider within ‘a reasonable amount of time’, even if the accident wasn’t your fault. The window of time will usually be stated in your insurance policy documents.

How to notify your insurance provider

You could tell your insurance provider about the accident in writing – via email or a letter – or over the telephone. Just remember to make it clear that you’re doing so for information purposes only, unless you actually intend to make a claim.

How will I know if a car insurance claim is made against me?

A claim against you is to be expected if an accident was your fault. You’ll more than likely have exchanged insurance details at the scene and you’ll have informed your insurance provider.

If the third party tries to make a claim on your insurance when you weren’t at fault, you’ll still know about it. Your insurance provider will almost certainly contact you for further information about the accident. And insurance providers for both parties will investigate who was at fault, before making a decision on a pay-out.

If someone claims on your insurance, what happens?

If the accident was your fault, a third-party claim will more than likely affect the cost of your car insurance premium the following year. Even if the accident wasn’t your fault, and no claim was made against you, your premium is likely to spike the following year. That’s because it’s statistically proven that being involved in one accident raises your chances of having another.

Your no-claims discount, or NCD, could also be affected, even if both parties in an accident are to blame.

The good news is that you won’t have to pay an excess if a third party claims against you. You’re only liable to pay an excess if you lodge a claim yourself.

Get a good deal on your car insurance

When something goes wrong, it’s important to have the right car insurance in place. Start a car insurance quote with us and we’ll find you some great deals from a wide range of providers. Compare car insurance today and see if you can save.

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