Understand how non-fault accidents impact your premiums and how to protect your no-claims bonus.
One of the most common questions we receive is whether a non-fault accident will increase insurance premiums. The short answer is: it shouldn't, but it depends on how the claim is handled.
If you use a credit hire and accident management service like Credit Hire Direct, the claim is made directly against the at-fault driver's insurance policy, not yours. This means your no-claims bonus remains completely untouched and protected.
You are still legally required to inform your insurance company that an accident occurred, even if it wasn't your fault and you aren't claiming through them. You simply state it was for "information purposes only".
If you claim through your own insurance, they may temporarily reduce your no-claims bonus or increase your premium until they successfully recover the costs from the other insurer. Using our service avoids this hassle entirely.