If someone else caused the accident, you should not be left out of pocket. But many drivers worry that reporting it will push up their insurance.
You must tell your insurer
Most policies require you to report any accident, even if you do not claim. Not reporting it can cause problems later, so always let your insurer know.
Can a non-fault claim affect my premium?
It can. Some insurers look at all incidents when working out your price, not just the ones that were your fault. How much it matters depends on your insurer, which is why it is worth asking them directly.
Protecting your no claims bonus
When the other driver is clearly at fault, a non-fault repair can be handled through their insurer rather than yours. Your own policy is not claimed against, which helps protect your no claims bonus.
Your right to choose a repairer
You are free to choose who repairs your car. You do not have to use the bodyshop the other insurer suggests.
How Solution Repair helps
On non-fault claims our member bodyshops cover up to £500 of your excess, can arrange a courtesy car and deal with the insurers for you. Start a non-fault claim or get a free estimate.