Short answer: a genuine non-fault claim should not cost you your no-claims bonus, because the costs are recovered from the at-fault driver’s insurer rather than your own policy. You may still see your premium move slightly at renewal, because insurers price on risk and any claim is a data point, but a properly handled non-fault claim keeps that impact to a minimum.
Here’s what’s actually going on.
Why any accident can nudge your premium
When you renew, insurers ask whether you’ve had any accidents or claims, regardless of fault. Statistically, a driver who has been in one accident is slightly more likely to be in another, so some insurers adjust the price. That’s why you might see a small change even when you did nothing wrong.
The key point: this is very different from a fault claim, which draws on your own policy and usually loses you your no-claims discount.
What “non-fault” really protects
On a genuine non-fault claim:
- Your no-claims bonus is protected, because the claim isn’t paid from your policy.
- You don’t pay an excess. The at-fault driver’s insurer covers the cost.
- You keep your right to a courtesy car while yours is repaired.
The one thing to watch is making sure the claim stays firmly non-fault. If liability is recorded as “split” or “unresolved”, you can lose some of that protection, which is why good evidence and proper handling matter.
How to keep it non-fault
- Gather strong evidence at the scene (photos, witness details, the other driver’s information). See our step-by-step for after a non-fault accident.
- Report it quickly, so the account of what happened is fresh.
- Let it be handled properly. A claim that’s chased and evidenced tends to be settled cleanly in your favour.
Where MSL Customs fits in
We manage non-fault claims end to end, dealing with the insurers so the claim is recorded correctly and your car is repaired to manufacturer standard. If you’ve had a knock that wasn’t your fault, report it here or call 0121 766 6669.
This article is general guidance, not financial advice. How a claim affects your specific policy is a matter for your insurer.
Had an accident, or need a repair?