Can someone claim on my car insurance without me knowing?

It’s very unlikely that someone could claim on your insurance without you knowing, but it is possible. How can it happen? We’ve got the facts.

It’s very unlikely that someone could claim on your insurance without you knowing, but it is possible. How can it happen? We’ve got the facts.

Alex Hasty
Insurance and finance expert
minute read
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Last Updated 28 FEBRUARY 2022

How can someone claim on my car insurance without me knowing?

In almost all situations, you’ll know if a claim is made on your car insurance by another driver. You’ll have exchanged details with them at the scene and your insurance provider will contact you about the claim. 

An exception could be if you have a minor accident with another car, give the driver your details, but agree with them that no claim is needed. You then report the incident to your insurance provider. Later, the other driver decides they do want to claim and contacts your insurance provider who, very unusually, decides that they don’t need to notify you. 

Another situation in which you could be taken by surprise by a claim is if you’re the victim of a cloned registration insurance scam. These involve a car using a copy of your number plate in a staged accident. In this case, your provider will notify you of a claim on your insurance, but you’ll know nothing about the incident because you won’t have had anything to do with it. If this happens, you need to contact the police.

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. 

Even if the other driver tries to make a claim on your insurance when you weren’t at fault, you’ll still almost certainly know about it. Your insurance provider will almost always 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 both you and the other driver agree that the accident was your fault, then your insurance provider will simply handle the claim and pay out. You shouldn’t have to do anything once you’ve reported the accident.

When there’s a dispute about who was at fault, things get a bit more complicated. Your insurance provider will probably contact you for a statement and then look at other evidence to help decide who was at fault. 

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 insurance providers will consider you more at risk of having another accident.

Your no-claims discount (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 any excess - the amount you have to pay towards a claim - if a third party claims against you. You’re only liable to pay an excess if you lodge a claim yourself.

What should I do after an accident?

If the accident has injured someone or damaged a vehicle, you need to give your details to the other driver(s) involved. If you don’t do this at the time, you need to report the accident to the police within 24 hours.

It’s also essential that you notify your insurance provider within ‘a reasonable amount of time’, even if the accident wasn’t your fault, and even if you’re not planning to make a claim. The window of time will usually be stated in your insurance policy documents. If you don’t tell your provider, you could invalidate your car insurance.

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.

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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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