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).