Hit by another driver?
Non-Fault Car Accident — UK Claims Process
Claim through the at-fault driver's insurer or a credit hire company to protect your NCD. See the pitfalls.
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The short answer
When fully not at fault, claim directly against the third party's insurer to keep your NCD intact and avoid your excess. Credit hire companies arrange a like-for-like courtesy car but can leave you exposed if liability is disputed.
Frequently asked
- Will my premium still go up?
- Often yes — insurers price on incident frequency, not just fault. Typically 5–15% even on non-fault.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$7 per analysis · No subscription · PDF only