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 Happens If the Other Driver Isn’t Insured?
If the driver who caused your accident turns out to have no insurance, you can still claim compensation — through the Motor Insurers' Bureau (MIB), an organisation set up specifically to protect victims of uninsured and untraced drivers.
What’s the Time Limit for a Car Accident Claim?
In England and Wales, you generally have three years from the date of the accident to bring a personal injury claim, and six years to claim for vehicle damage or other financial losses, under the Limitation Act 1980.