A simples guide

Do non fault claims need to be declared?

Accidents can catch us unawares and in some cases, it might not have been your fault. So what do you do in an accident where you weren’t to blame? Do you keep schtum and not saying anything to your insurance provider or do you tell them every detail pleading your innocence? Both have consequences that you’ll probably want to know about.


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) a ‘fault’ claim which is when you are liable for damages. However, you can have an accident that wasn’t your fault but it still gets classified as a fault claim – tough right? So 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 is no one to claim against – when that happens, you become liable.

Do I need to declare a non-fault claim?

Pretty much all insurance providers will have a clause in their policy requiring you to declare any incidences involving your car in the last 5 years. If you don’t report something and your insurance provider finds out about it later, they could invalidate your policy. Honesty is always the best policy when it comes to your insurance.


Car accident

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.

How can I lower the cost of my insurance?

If you want to lower the cost of your car insurance, why not think about:
• Adding a named driver to your policy – if they’re more experienced it spreads the risk and so could lower the cost. But you can’t just add anyone, they have to actually use the car. (More about named drivers)
• Protect your no claims – although this will cost you more from the off, it could save you more if you have any future fault claims.
• Increase your voluntary excess – but make sure you can actually afford to pay the total policy excess in the event of an at fault claim. (More about higher excess)
• Advanced driving – if you’ve just passed your test, consider taking the Pass Plus, it’ll expand your driving know how and could lower your premium.
• Telematics or black box insurance – this tracks and monitors your driving and if you are a safe driver it could save you some pounds. (More about telematics)

And of course, you should use our car insurance comparison service. We’ll compare over 100 insurance providers to help you find the right deal at the right price for you.

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