Claims & incidents
Fault vs non-fault — what's the difference?
Claim classifications can depend on cost recovery as well as who caused the incident.
In motor-insurance claims, fault and non-fault can refer to whether the insurer recovers its costs, not just who caused the incident.
A claim may be recorded as fault while costs remain unrecovered, including cases where another driver caused the damage. Ask your claims handler how the claim is classified and whether that may change when recovery is complete.
The effect on your no-claims discount, excess and renewal premium depends on the policy, any applicable protection and the claim outcome. A non-fault classification does not guarantee an unchanged renewal price.
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