Will a Non-Fault Accident Affect My PCO Licence?

📖 In This Guide

Will It Affect My PCO Licence
What PCO Drivers Must Do
Reporting to TfL
Will It Affect My Insurance
How to Keep Earning

Will a Non-Fault Accident Affect My PCO Licence?

A non-fault accident should not automatically affect your PCO licence. Your PCO or private hire licence is issued by TfL (in London) or your local council, and licence conditions focus on criminal convictions, serious driving offences and fitness to drive — not on being the victim of another driver's negligence.

✓ Short answer: A non-fault accident, correctly handled, should not result in any action against your PCO licence. The key is handling it correctly from the start.

What PCO Drivers Must Do After a Non-Fault Accident

Report to your licensing authority — TfL or your local council requires you to report any accident involving your licensed vehicle, usually within 72 hours. Check your licence conditions for the exact timeframe.
Notify your insurance — You must inform your insurer of any accident, even if you are not claiming through them.
Do not admit fault — Even informally. This is especially important for professional drivers as admissions can affect your standing with licensing authorities.
Get a licensed replacement vehicle — A standard courtesy car cannot be used for hire and reward work. Contact Road Claim immediately for a TfL-compliant replacement.

Reporting to TfL After a Non-Fault Accident

TfL requires all licensed private hire and hackney carriage drivers to report accidents involving their licensed vehicle. This is an administrative requirement — not a punitive one. Reporting the accident honestly as non-fault, with supporting evidence, should not result in any licence action.

If TfL does request further information, Road Claim can advise you on what to provide and how to present the non-fault nature of the accident clearly.

Will It Affect My Insurance?

If you handle your non-fault claim through Road Claim rather than your own insurance, we claim directly against the at-fault driver's insurer. This means your own insurance policy is not touched and your no-claims bonus remains intact. Read our full guide: non-fault accident and no-claims bonus.

How to Keep Earning After a Non-Fault Accident

The key to protecting your income as a PCO driver after a non-fault accident is getting a licensed replacement vehicle as quickly as possible. Road Claim specialises in arranging TfL-compliant, app-ready PCO replacement vehicles within 24 hours — so you can get back on Uber, Bolt or Free Now with minimal disruption to your earnings.

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Road Claim Editorial Team

Non-fault accident claims specialists — England & Wales

Frequently Asked Questions

Will a non-fault accident affect my PCO licence? ▼

A non-fault accident should not automatically affect your PCO licence. You must report it to your licensing authority (TfL or local council) as required, but being the victim of another driver's negligence is not grounds for licence action.

Do I need to report a non-fault accident to TfL? ▼

Yes. TfL requires licensed private hire and hackney carriage drivers to report accidents involving their vehicle. Check your licence conditions for the exact reporting timeframe.

Can I still drive for Uber after a non-fault accident? ▼

Yes — but only in a licensed vehicle. Road Claim arranges a TfL-compliant PCO replacement vehicle within 24 hours so you can return to the app immediately.

Will the accident affect my insurance premium? ▼

Not if handled correctly through Road Claim. We claim against the at-fault insurer, keeping your own policy untouched and your no-claims bonus intact.

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