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Do I need to declare my non-fault accidents and claims

Do I need to declare my non-fault accidents and claims

An accident can catch us unawares and, in some cases, it might not have been your fault. So, what do you do in the case of an accident where you weren't to blame? We have the answers below...

Daniel Hutson
From the Motor team
minute read
posted 29 OCTOBER 2019

What is a non-fault claim?

It's when your insurance provider can recover the total cost of a claim from the person whose fault it was (the liable party).

The opposite of a non-fault claim is (you've guessed it) an 'at-fault' claim, which is when you are liable for damages. However, you can be involved in an accident that wasn't your fault where the claim still gets classified as an at-fault claim. How does that happen? Usually, if you have an accident that's caused by an unidentified third party (like an animal jumping out into the road or another driver causes the accident but drives off) there's no one to claim against, and when that happens you become liable.

Do I need to declare a non-fault claim?

Yes, you need to declare all accidents that you're involved in, regardless of who, or what, was at fault.

Pretty much all insurance providers will have a clause in their policy requiring you to declare any incidences you're involved in while driving in the past 5 years. If you don't report something and your insurance provider finds out about it later, they could invalidate your policy.

Does declaring a non-fault claim affect my insurance?

Unfortunately, yes. In many cases, your premiums will go up after you’ve declared a non-fault claim to your insurance provider. This is because certain circumstances surrounding the accident, even if it wasn’t your fault, may lead to more accidents in the future.

These circumstances could be that you happen to travel through busy junctions on your way to work, or that you regularly drive along winding country roads where visibility is poor and speed limits are high.

The good news is that a non-fault claim shouldn’t affect your no claims discount (NCD).

How can I lower the cost of my insurance?

You may be able to lower the cost of your car insurance in a few different ways:

  • compare car insurance quotes – we’ll compare over a wide range of insurance providers to help you find the right deal for you
  • add a named driver to your policy – if the new named driver is more experienced, it spreads the risk and, as a result, could lower the cost. But you can’t just add anyone – they have to actually drive the car
  • increase your voluntary excess – just make sure you can actually afford to pay both the compulsory and voluntary excess in the event of an at-fault claim
  • improve your driving – if you’ve just passed your test, consider taking the Pass Plus as well. It will expand your driving know-how and could lower your premium (but check whether this is the case with your insurance provider beforehand).
  • telematics or black box insurancetelematics car insurance tracks and monitors your driving. If it backs up the fact that you’re a safe driver, it could have a positive impact on your premium

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