Do you have to declare non-fault claims?
In This Guide:
- Do I have to declare a non-fault claim?
- How does declaring a non-fault claim affect my premium?
- Should I tell my insurance company about a non-fault accident?
- How do non-fault claims work?
Do I have to declare a non-fault claim?
If you’ve been involved in an incident that wasn’t your fault, you must still declare it to your car insurance provider. That remains the case even if the other driver offers to pay for the damage themselves, rather than going through their insurer. Check out our guide to making a car insurance claim for full details of the process.
How does declaring a non-fault claim affect my premium?
Ideally, when another party is at fault, they or their insurance company pay for any damages. However, animals and objects can also be the cause of vehicle damage, and unfortunately when this happens you become liable and claims are assessed as at-fault. This will increase your premium.
Yet even simply declaring – not claiming – the non-fault incident can still push up your premium when you come to renew. That’s because your insurer may deem the circumstances in which it arose likely to happen again, for example, parking your vehicle on a busy street. These declarations don’t however affect your no-claims bonus.
Should I tell my insurance company about a non-fault accident?
With the potential for a premium increase if you report a non-fault claim, any reluctance to do so is understandable. Why notify your insurer about something that wasn’t your fault and could be settled externally, when doing so will ultimately cost you money?
The simple answer is that it can result in you invalidating your policy. When agreeing your car insurance policy, there will likely be a clause that requires you to inform your provider of any non-fault incidents or accidents. Therefore, not doing so could be considered a breach of contract, resulting in you losing your cover and all no claims bonuses you have accrued.
How do non-fault claims work?
When you make a non-fault claim, it’s first considered to be an at-fault claim by your insurer until any and all evidence is investigated – that’s the standard procedure. If your premium is due for renewal during this period, you may see an increase to reflect this.
Once your claim is determined to be non-fault, your premium should be reduced and you’ll be refunded any money owed.
You may also be required to pay excess in the interim for any damages. Once your claim is determined to be non-fault, you should be able to recover this cost from your insurer.