A non-fault claim pursued against the other driver’s insurer shouldn’t normally affect your no-claims bonus, but you should still tell your own insurer about the accident. Your insurer may record it, and how it is treated depends on your policy and the outcome of the claim.
Find out more about non-fault accidents.
Why it usually isn’t affected
Your no-claims bonus is about claims made on your own policy. If costs are recovered from the at-fault driver’s insurer, your insurer has nothing to pay out.
Had an accident that wasn’t your fault?
Start your claimWhen it might be
If liability is disputed, the other driver is uninsured or untraced, or a claim is made on your own policy, your bonus could be affected while the claim is resolved. Check your policy.
Premiums
Insurers may consider any accident when pricing renewals, even non-fault ones. Be honest when asked about previous accidents.
Sources
This guide is general information, not legal advice. Every situation is different.