Claims & incidents
Will my premium go up after a claim?
Usually yes — even for non-fault claims. We can help shop around at renewal.
A claim or incident usually changes your premium for a few key reasons.
When you make a claim or are involved in an accident, insurers see this as an increased risk — meaning there's a higher chance you may claim again. They assess this risk based on data trends and your claims history, ensuring their pricing reflects the likelihood of future claims. That higher risk often leads to a higher premium when it comes time to renew or adjust your policy.
Changes in personal information — such as updates to your driving history or the addition of new convictions — can also impact your premium. For example, if your licence pass date is corrected or a recent conviction is added to your record, this may alter your risk profile and lead to higher costs.
Even non-fault claims can affect pricing, as insurers still consider the overall claims history when calculating risk. A history of multiple claims, regardless of fault, might suggest a higher likelihood of future incidents.
Still stuck? Broll-e or the team will sort you out.