Trustpilot
Show More

Ask an Expert

Can someone claim on my car insurance without my knowledge?

In nearly all situations, you’ll know if someone has claimed on your car insurance. You will have exchanged insurance details with another driver at the scene of an accident, which they will then use to claim for any damage you’ve caused to their vehicle. Your insurance company will then contact you about the claim.

To claim on your insurance, a third party will need your policy number and personal details. Typically, they can’t get this information except directly from you. But can someone every claim on my car insurance without me knowing about it?

In some rare cases, someone may make a claim you don’t anticipate. Some of these cases are genuine, but others are a type of fraud.

You may receive a surprise claim following a minor collision with another driver. You and the driver exchanged insurance details but both agreed that a claim won’t be necessary. However, the other driver later decides they do want to file a claim and contacts your insurance provider to submit a claim. In these cases, your insurance provider will notify you of the claim, which you can dispute if you don’t believe you were at fault.

Victims of hit-and-run collisions can also take steps to find the insurance details of the driver responsible. If they have the registration number of the car, they can use a Subject Access Request through the DVLA to obtain the personal details of the owner and contact their insurance provider.

In these cases, claimants don’t need the policy number. If the insurance company of the guilty party is unknown, the police may be able to trace this information. So, if you've committed a hit-and-run, you may still be subject to an insurance claim you didn't expect. You may also face prosecution as failing to stop at the scene of an accident is a crime.

If your insurer notifies you of a claim but you have no memory of the incident you were allegedly involved in, you’ve likely been targeted by a cloned registration insurance scam. In this type of fraud, criminals use a car with a copy of your number plate in a staged accident and then claim on your insurance. If you believe this has happened, you should contact the police.

*51% of consumers could save £535.17 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from May 2026 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Related guides

When Is Fuel Consumption at Its Highest?

Fuel consumption is something most drivers are conscious of, especially with rising fuel prices and growing concerns about efficiency. So, when is fuel consumption at its highest?In simple terms, fuel consumption is at its highest when you are driving in challenging conditions. Just as you burn more calories when your workout is more intense, your car burns more fuel when working harder. But what causes a car to work harder, and why does it have such an impact on fuel efficiency?In this article, we will look at the factors that make fuel usage peak, what drivers can do to limit waste, and how to drive smarter for long-term savings.

Timing Belt vs Timing Chain

Maintaining the longevity of your car and its engine is easier when you understand what's actually going on under the hood. One crucial element of any car's engine is the timing system, which ensures that the camshaft and crankshaft move in unison, allowing engine components such as pistons and valves to open and close at the correct time. To enable the synchronisation of the timing system, your car will have either a timing belt (also known as a cambelt) or a timing chain in place. They both serve the same function but operate in slightly different ways.In this guide, we'll explore how timing belts and chains impact your engine's performance, the key differences between them, signs that your belt or chain might need to be replaced, and the associated costs. Read on to find out more.

How Much Is It to Insure a 50cc Moped?

If you’ve recently bought, or are thinking about buying, a 50cc moped, you’re probably wondering how much it costs to insure one. Whether you’re a commuter looking for a cheap and nimble option or a teenager getting their first taste of the road, it's important to understand the ins and outs of moped or scooter insurance.Here, we'll cover everything you need to know, from typical costs to factors that influence the price of your moped and scooter insurance, and how to secure the best deal.