A non-fault accident means another identifiable driver caused the collision and their insurer is responsible for the costs.
In this situation:
However, if you still choose to claim through your insurer, your policy can still be involved.
Yes, it can, even if the accident wasn’t your fault.
Insurance companies assess risk based on claims history, not just blame. If your policy is used to process a claim:
This is one of the main reasons many drivers avoid claiming through their own insurance after a non-fault accident.
Your no-claims bonus (NCB) is usually protected in a non-fault accident but only if the costs are recovered successfully.
If you claim through your insurer:
Using an accident management company helps avoid this risk entirely, as your insurance policy is not used.
Simple Claims manages non-fault accident claims across London, handling everything from start to finish so you don’t have to.
Our service includes:
Roadside recovery after an accident
Like-for-like replacement vehicles
Vehicle repairs and storage
Personal injury support
Full claims handling and insurer communication
Learn more about how this works on our accident management vs insurance page.
If you’ve already informed your insurer, it doesn’t automatically mean your insurance will be affected.
In many cases:
If you’re unsure, Simple Claims can review your situation and advise on the best next step.
If the accident wasn’t your fault, you may be entitled to a full range of services at no cost to you, including:
All costs are recovered from the at-fault driver’s insurer.
See our full car accident claims management service.
No, you are not required to contact your insurer after a non-fault accident.
Many drivers choose to contact an accident management company first to:
If the accident was your fault, your insurer is the correct route. If it was not your fault, accident management is often the better option.
Simple Claims helps drivers across London manage non-fault accident claims without impacting their insurance.
We provide:
Everything is managed for you, clearly, fairly, and without hidden costs.
Start your claim today with our expert team and in-house services, and get back on the road faster.
It can, especially if you claim through your own insurer, even when you were not at fault.
No. You are not legally required to claim through your insurer after a non-fault accident.
In many cases, you can still switch to accident management and continue the claim without further impact.
Your no-claims bonus is usually protected, but it can still be temporarily affected if your insurer handles the claim.
Using an accident management company allows the claim to be handled without using your insurance policy.
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Simple Claims is a London-based accident claims management company serving drivers across Greater London.
