Protect your no claims bonus – ELITE ACCIDENT MANAGEMENT

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‘"Will I lose my no-claims bonus if the accident wasn't my fault? – Answers to common accident

A frequently asked question online after an accident is, “Do I lose my no claims if it’s not my fault?” Unfortunately, the answer is that you may lose it. However, there are ways you might be able to avoid losing it.

A long-established no claims bonus can significantly reduce a driver’s yearly car insurance premium. Some insurers provide discounts of up to 75% on the annual premium for a good NCB.

Of course, a driver’s priority is to protect their no claims bonus, especially if they’ve been in an accident that wasn’t their fault..

Several factors can affect whether someone loses their no claims bonus after an accident that isn’t their fault. It also depends on your specific situation and the insurance company you have.

What happens in a non-fault claim?

Table of Contents:

Do I lose my no claims?
The more beneficial choice
No claims discount
Pending claim increase
Avoid losing your NCB

How much of a discount an average No Claims Bonus can provide.

Generally, insurance providers state that “a claim may reduce or remove a driver’s No Claims Bonus,” even if the claim is processed through the insurance policy of the driver who was not at fault.

There are several reasons why your No could be affected when claiming with your insurer, including:

If the claim liability is still ongoing when your insurance policy is up for renewal, your insurer may temporarily remove your No Claims Bonus (NCB), or even indefinitely, until the claim is concluded.
Additionally, if your insurance company is unable to recover all costs and expenses from the other insurance company (which can occur for various reasons), it can impact your policy.
Moreover, if the fault liability is ultimately shared and you are found to be partly at fault, this can also affect your claim and policy terms.
Finally, if your insurance company is unable to recover their losses from the other driver, it can result in further complications for your insurance policy.

2Unfortunately, a ‘ No Claims Bonus ' is not regarded as a 'No Blame Bonus'.

When you initiate a claim with your own insurance company, circumstances may render it irrelevant whether the accident wasn’t your fault. Since the claim is managed by your insurance company, it may be too late to receive better, independent, non-fault advice.

As the non-fault driver, this outcome is unfair in a situation you didn’t cause. Therefore, we strongly recommend working with an Accident Management Company if you find yourself in this predicament.

Here is a typical example of how insurance providers calculate a No Claims Bonus discount based on your years of no claims:

No Claims Bonus Years Average Insurers Premium Discount

one 08%

Two 13%

Three 17%

Four 26%

Five 27%

Six 28%

Seven 30%

Eigth 31%

Nine 37%

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One of our advisors will call you back. Or, call us now on 0778 612 8786.

Deciding whether the claim is covered under the policy terms and the amount to be paid.

Effective claims management is essential for insurance companies to maintain customer trust, manage costs, and operate efficiently. By leveraging technology and adhering to best practices, insurers can improve their claims processes and deliver better outcomes for their policyholders.

How much discount can an average no-claims bonus provide?

Generally, insurance providers state that a claim may reduce or eliminate a driver’s No Claims Bonus, even if the claim is processed through the driver’s own insurance policy and they were not at fault.

Step 1

Maintain clear and open communication with policyholders about the status of their claims and the reasons behind any decisions made.

Step 2

Never leave the scene of an accident, even if it seems minor. Leaving can result in legal consequences and complicate the claims process.

Step 3

Don't rely on getting a replacement vehicle immediately. Not arranging for alternate transportation yourself could leave you stranded.

What if I am involved in a non-fault car accident?

Avoid taking photos of the accident scene, vehicle damage, and any relevant road signs or signals. This lack of visual evidence can weaken your case.

Avoid making a note of all the vehicles involved in the accident. Don’t bother recording the driver’s details, number plate, or insurance information. This can lead to a lack of crucial information needed for your claim.

Ignore anyone who may have witnessed the accident. Failing to get their contact information and statements can result in a lack of supporting testimony to prove you were not at fault.

Avoid going to the hospital to have your injuries treated and documented. Ignoring potential injuries, even if they seem minor, can lead to unrecognized long-term effects and a lack of official medical records that might be necessary for your claim.

Without medical documentation, proving the extent and cause of injuries during the claims process becomes challenging.

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Ignore the fact that making a claim with your own insurer can lead to increased premiums, even if you were not at fault. Overlooking this can result in higher costs in the long run.

Overlooking Impact on Premiums: Be aware that using your own insurer for a non-fault claim can increase your premiums, affecting your future insurance costs.

By avoiding these actions, you can better protect yourself from potential financial disadvantages following a non-fault accident.

Ignoring Alternative Options: Always consider third-party claims services that specialize in non-fault accidents to avoid potential financial drawbacks.

What exactly is Claims
Management?

Immediate Contact: Report the accident to your insurance company as soon as possible. Provide them with all relevant details, including the date, time, location, and circumstances

Official Documentation: Ensure that the accident is reported to the police and obtain a copy of the police report. This report can be critical in establishing fault and supporting your claim.

Personalized Assistance:
A dedicated claims manager offers personalized support,

Expert Advice:
They provide expert advice on how to handle the situation, what information to gather, and how to communicate with other parties involved.

Streamlined Process:
With their experience and knowledge, claims managers streamline the entire process, reducing delays and ensuring that your claim is handled promptly.

We provide clear instructions on what information to gather at the scene, including driver details

Single Point of Contact: We act as your single point of contact, handling all communications with insurance companies, repair shops, and other parties involved.

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you’re concerned and searching ‘Do I lose my no claims f not my fault, here’s how you can make a non-fault insurance claim and avoid losing your no-claims bonus.

Like many others, you might be searching “Do I lose my no claims if not my fault” after being involved in a non-fault accident. Knowing what to do after a car accident is not everyone’s area of expertise. The most beneficial first point of contact after a ‘no fault’ accident is always Elite Accident Management. To avoid the risk of losing your no-claims bonus if the accident was not your fault:

We will gather all available information about the accident, including any evidence you have collected.
Call our non-fault New Claims team at 0778 612 8786. or start your claim by clicking here.
You will be assigned a dedicated claims handler for your accident claim who will support you every step of the way.
Our expert accident teams will then begin processing and managing your claim, keeping you updated throughout the process.

A non-fault accident can effect your insurance in several ways, including:

A driver’s insurance in the UK can be affected in several other ways after a non-fault car accident, including:

These effects are typically experienced if a driver chooses to speak to their insurance company to process a claim rather than using a Credit Hire Company.

We’ve developed a knowledge base of car accident resources, including information on how a non-fault accident can affect your insurance.

If you have any questions after a road traffic accident or need general advice about our services, please feel free to contact us. Our team will be ready to assist you.

Request a Callback.

One of our advisors will call you back. Or, call us now on 0778 612 8786.

‘"Will I lose my no-claims bonus if the accident wasn't my fault? – Answers to common accident

How much of a discount an average No Claims Bonus can provide.

There are several reasons why your No could be affected when claiming with your insurer, including:

2Unfortunately, a ‘ No Claims Bonus ' is not regarded as a 'No Blame Bonus'.

Request a Callback.

Deciding whether the claim is covered under the policy terms and the amount to be paid.

How much discount can an average no-claims bonus provide?

Step 1

Step 2

Step 3

What if I am involved in a non-fault car accident?

Avoid making a note of all the vehicles involved in the accident. Don’t bother recording the driver’s details, number plate, or insurance information. This can lead to a lack of crucial information needed for your claim.

Ignore anyone who may have witnessed the accident. Failing to get their contact information and statements can result in a lack of supporting testimony to prove you were not at fault.

Avoid going to the hospital to have your injuries treated and documented. Ignoring potential injuries, even if they seem minor, can lead to unrecognized long-term effects and a lack of official medical records that might be necessary for your claim.

Without medical documentation, proving the extent and cause of injuries during the claims process becomes challenging.

Excellent

Trustpilot

Ignore the fact that making a claim with your own insurer can lead to increased premiums, even if you were not at fault. Overlooking this can result in higher costs in the long run.

What exactly is Claims Management?

Personalized Assistance: A dedicated claims manager offers personalized support,

Expert Advice: They provide expert advice on how to handle the situation, what information to gather, and how to communicate with other parties involved.

Streamlined Process: With their experience and knowledge, claims managers streamline the entire process, reducing delays and ensuring that your claim is handled promptly.

We provide clear instructions on what information to gather at the scene, including driver details

Trustpilot

you’re concerned and searching ‘Do I lose my no claims f not my fault, here’s how you can make a non-fault insurance claim and avoid losing your no-claims bonus.

A non-fault accident can effect your insurance in several ways, including:

Request a Callback.

What exactly is Claims
Management?

Personalized Assistance:
A dedicated claims manager offers personalized support,

Expert Advice:
They provide expert advice on how to handle the situation, what information to gather, and how to communicate with other parties involved.

Streamlined Process:
With their experience and knowledge, claims managers streamline the entire process, reducing delays and ensuring that your claim is handled promptly.