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 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.