Does declaring a non-fault claim affect my insurance?
In many cases, premiums will go up and as unfair as this sounds, insurance providers have their reasons for doing this. Industry stats have shown that people involved in any sort of accident (whether you’re to blame or not) are more likely to go on to have another accident later on. And because insurance is based on risk calculations, your premium’s likely to rise as a result. It’s also worth noting that a non-fault claim shouldn’t affect your no claims discount (NCD).
Why does a non-fault claim mean your chances of having an accident later on are increased? Well, it could be that your non-fault accident was actually just an accident waiting to happen. Perhaps you drive through some very busy junctions on your way to work, in which case your chances of being involved in another accident are more likely. Or perhaps you travel along winding country roads where visibility is poor and speeds limits are high putting you at greater risk of an incident.