No excess to pay
On a genuine non-fault claim the costs sit with the other driver's insurer, not you.
Non-fault claims
Someone else's fault? You shouldn't be out of pocket.
If another driver caused the accident, the claim runs against their insurer, not yours. That means there's no excess for you to find, your no-claims bonus stays protected, and you're entitled to a like-for-like courtesy car while your own is with us. We deal with the third party so you don't have to.
The short version
What it means for you.
No-claims protected
Because it isn't claimed against your own policy, your no-claims bonus stays where it is.
Like-for-like courtesy car
You're entitled to a similar car to keep you moving while yours is repaired.
We chase the third party
We handle the other insurer and recover any excess you've had to pay.
Common questions
Non-fault claims, answered plainly.
What counts as a non-fault accident?
Any accident where you weren't to blame, most often someone driving into the back of you, pulling out on you, or hitting your parked car. If the other driver caused it, it's non-fault.
Will a non-fault claim affect my no-claims or premium?
A genuine non-fault claim shouldn't cost you your no-claims bonus, because the costs are recovered from the at-fault driver's insurer rather than your own. We work to keep it firmly non-fault.
Do I have to claim through my own insurer?
Not necessarily. On a non-fault accident we can run things against the other driver's insurer directly, which is often quicker and keeps your own policy out of it.
How long will it take?
We assess within 24 hours of your car arriving and give you a realistic timeline. Many repairs are turned around in days rather than weeks.
Get an estimate
From your reg to a real quote, fast.
Four quick steps and we'll come back to you, usually the same day. No pushy follow-ups, and your details stay with us.
- 1 Pop in your regWe look up the make, colour and year.
- 2 Tell us what's upThe damage or work, in a line or two.
- 3 Add a few photosSnap it from your phone, any angle.
- 4 Leave your numberAnd get a real figure, usually same day.