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.