Being involved in an accident that wasn’t your fault can feel frustrating, especially when you worry about losing your No Claims Bonus (NCB).
At Instant Assist, we help you manage non-fault accidents properly, ensuring your insurance stays protected, your no claims bonus intact, and your costs covered — without hassle.
In this guide, we’ll walk you through everything you need to know about how non-fault accidents affect your no-claims discount — and what you can do to protect yourself.
Will I Lose My No Claims Bonus If the Accident Wasn’t My Fault?
Yes, potentially.
Even if the accident wasn’t your fault, your no claims bonus may still be affected depending on how the claim is handled.
Here’s why:
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If your insurer pays out on your policy before recovering costs from the third party, it’s still recorded as a claim.
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Recovery processes can take months, leaving your NCB suspended or reduced in the meantime.
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If recovery is unsuccessful, the claim stays on your record, even though you weren’t responsible.
Important: Protected No Claims Bonus schemes help, but they don’t guarantee that your insurance premium won’t increase after an accident.
How Insurance Companies Handle Non-Fault Claims
Many people believe “non-fault” means “no impact.”
That’s not always true. Insurers view any accident as a potential risk indicator, whether you caused it or not.
Typically:
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Fully recovered claim: You may keep your no claims bonus, but the accident is still logged.
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Partial or failed recovery: You could lose your NCB or see your premium increase.
Insurers assess risk exposure, not just blame.
What Is No Claims Bonus Protection?
Some drivers purchase No Claims Bonus Protection as an extra feature when taking out insurance.
No Claims Bonus Protection allows:
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Making one or more claims (depending on the policy) without losing your NCB.
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However, your premium can still increase even if your NCB remains intact.
Key Point: Protected NCB is useful, but it’s not a complete shield against higher insurance costs.
Best Way to Protect Your No Claims Bonus After a Non-Fault Accident
To properly safeguard your NCB after a non-fault accident, avoid claiming through your own insurer whenever possible.
✅ Contact Instant Assist immediately after a non-fault accident.
At Instant Assist:
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We manage your claim directly with the at-fault party’s insurer.
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We provide a free like-for-like replacement vehicle.
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You pay no excess, and your insurer remains uninvolved.
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You keep your No Claims Bonus safe.
Had a non-fault accident? Don’t risk your insurance record. Start your claim with Instant Assist now.
Why You Should Avoid Informing Your Own Insurance First
Many insurers advise you to “report all incidents.”
While you must inform them (as part of your policy terms), starting a claim unnecessarily can trigger:
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Loss of No Claims Bonus.
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Increased renewal premiums.
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Higher compulsory excess at renewal.
Instead:
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Inform them without lodging a claim.
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Tell them you’re working with an Accident Management Company (like Instant Assist) that will recover costs externally.
✅ This keeps your insurance record clean.
How Instant Assist Helps You After a Non-Fault Accident
Instant Assist specialises in handling non-fault claims across the UK, offering a complete accident management service.
With us, you get:
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✅ No Win, No Fee Accident Management Service
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✅ Free Like-for-Like Replacement Vehicle
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✅ No Excess Payments
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✅ Fully Approved Repairs with Warranty
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✅ Full Recovery of Losses from the At-Fault Insurer
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✅ Complete Protection of Your No Claims Bonus
We handle everything while you stay fully mobile, without risking your insurance standing.
Need Immediate Help? Contact Instant Assist Experts Now.
Please Note: The solicitor we recommend will charge you a fee of 36% (inclusive of VAT) off your compensation. The solicitor may charge a termination fee if you cancel your agreement with them after the cancellation period, please read their Terms and conditions for more information.
Frequently Asked Questions (FAQS)
Does a non-fault accident show up on insurance?
Yes, insurers usually log all accidents, whether fault or non-fault, which can influence future premiums.
How long does a non-fault claim stay on my record?
Typically, 3 to 5 years. It varies depending on your insurer’s policy.
Can I refuse to claim through my insurance after a non-fault accident?
Yes. You are not required to claim through your insurer if you manage the accident through an Accident Management Company like Instant Assist.
Will I have to pay an excess after a non-fault accident?
Not with Instant Assist!
We recover all costs from the third-party insurer, meaning zero out-of-pocket expense for you.
Final Thoughts: Protect Yourself With Instant Assist
In a non-fault accident, the wrong moves can cost you thousands.
Your No Claims Bonus is precious, protect it!
At Instant Assist:
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We fight to recover all damages.
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We keep your insurance out of the process.
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We help you stay fully mobile without paying excess fees.
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We protect your insurance standing and your wallet.
✅ 100% No Win No Fee
✅ Keep Your No Claims Bonus Safe
✅ Expert Non-Fault Accident Management Across the UK
Been in a non-fault accident? Don’t wait. Start your claim today with Instant Assist.
Stay protected, stay mobile, stay smart.Please Note: The solicitor we recommend will charge you a fee of 36% (inclusive of VAT) off your compensation. The solicitor may charge a termination fee if you cancel your agreement with them after the cancellation period, please read their Terms and conditions for more information.
