Guides to Non-Fault Accident Claims
If someone else caused your accident, you are entitled to have your car repaired and to a replacement vehicle while it is off the road — at no cost to you, with the charges recovered from the at-fault driver's insurer. These guides explain how that works, what you can claim, and how long you have to do it.
Like-for-like replacement vehicle
No impact on your No Claims Bonus
No car insurance excess to pay
Manufacturer approved repair network
Dedicated claims handler & live updates
What Should I Do After a Non-Fault Accident?
After a non-fault accident, the most important things to do are: check for injuries, exchange details, gather evidence at the scene, report the accident to your insurer, and get advice before agreeing to anything with the other driver's insurer.
What Is Credit Hire and Am I Entitled to One?
If you've been in a non-fault car accident and your car is off the road, credit hire lets you get a like-for-like replacement vehicle straight away, at no upfront cost to you, with the charges recovered later from the at-fault driver's insurer.
Will Making a Claim Affect My Insurance?
A genuine non-fault claim usually doesn't reduce your no-claims discount, but your overall premium can still rise at renewal — because insurers price on risk, not blame, and any recorded accident can factor into that.