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Motor Accident?

Will an accident that was not my fault increase my insurance premium?


Whether or not your insurance premium increases can depend on the terms of your insurance policy and how many accidents you have had in the past. Call us now on 02392 484 244 if you would like further advice.

Sadly many insurers view a non-fault accident claim in the same light as any other accident claim, and consequently it can still have the effect of increasing your next renewal premium.

It is important to remember that your No Claims Discount is not a 'No Fault Discount'. This means that even though the accident was not your fault, it is still treated as a 'claim' because they are dealing with it for you.

Also the number of claims you have had in the past, regardless of their type, can make your insurer believe that you are more likely to have an accident in the future. This is often reflected in an increase in your renewal premiums.


How we can help

Depending on the circumstances, we may be able to help you receive all the services you would normally expect, without the need to make a claim on your own insurance policy.

We and our partners can provide you with quality accident repairs, a like-for-like replacement vehicle and also professional legal advice. As we and our partners recover the costs of our services directly from the insurer of the at-fault driver on your behalf yourself.

As you are not making a claim with your own insurer, this also means that you will have no excess to pay on your policy and your renewal premium should be unaffected.

For more information simply call us now on 02392 484 244 and we will be happy to help.
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