NON-FAULT CLAIMS
Been in an accident
that wasn't your fault?
Here's exactly what happens next.
We guide you through every step — so you don't have to fight insurers alone. From reporting the accident to collecting your repaired car, we handle everything at zero cost to you.
01 — WHAT IS A NON-FAULT CLAIM
If it wasn't your fault,
you shouldn't pay a penny.
A non-fault claim means someone else caused the accident. Their insurance should pay — not yours. This includes rear-end collisions, being hit while parked, and someone pulling out on you.
- Your No Claims Bonus is protected
- You pay zero excess
- Claim goes against other driver's policy
02 — YOUR 3 OPTIONS
Your 3 options after an accident
| Option | What Happens | Pros | Cons |
|---|---|---|---|
| Claim on your own insurance | Your insurer pays, then tries to recover costs | Quick fix | Pay excess upfront, NCB at risk, premiums may rise |
| Claim directly against third-party insurer | You contact the other driver's insurer yourself | No impact on your policy | Slow, complicated, insurers make it difficult |
| Use our non-fault serviceRecommended | We handle everything through our claims partner | You pay £0, NCB protected, courtesy car provided, we handle all paperwork | Nothing — it's the best option |
03 — EXCESS QUESTION
Do I have to pay my excess?
If you claim on your own policy first: yes, you pay upfront (but may be able to reclaim later).
If you use our service: no — we recover it directly from the at-fault insurer. You pay £0.
04 — INSURANCE PROTECTION
Will this affect my insurance?
When we handle it as a true non-fault claim through our claims partner, your No Claims Bonus is fully protected. The claim is registered against the at-fault driver's policy — not yours.
05 — WHAT YOU'RE ENTITLED TO
What you're entitled to
06 — OUR PROCESS
Our step-by-step process
Contact Us
Call us or fill in the form. Tell us what happened — takes under 5 minutes.
We Assess
Photos or in-person inspection. We confirm non-fault status and arrange a courtesy car.
We Repair
Your car is repaired to manufacturer standard. Courtesy car provided throughout.
We Recover
Our claims partner recovers all costs from the at-fault insurer. You pay nothing.
07 — SCENE COLLECTION
What to collect at the scene
Never admit fault at the scene — even saying 'sorry' can be used against you.
08 — COMMON QUESTIONS
Common questions
Ready to start
your claim?
Contact us now and we'll take it from there.