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Non-Fault Accident Claim UK

The accident wasn't your fault — so the claim should cost you nothing. Road Claim handles everything and you get £75 just for registering.

£0
Cost to You
£75
Sign-Up Bonus
<1hr
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Free, no obligation — takes 60 seconds

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🔒 Free · No Win No Fee · No obligation

What Is It?

What is a Non-Fault Accident Claim?

A non-fault accident claim is a claim you make against the at-fault driver's insurance when an accident was not your fault. Because the other driver (or their insurer) is responsible, the entire cost of the claim process is recovered from them — not from you.

This means you can claim for vehicle repair, a free replacement vehicle, and any other losses without spending a penny. Road Claim manages the entire process on your behalf, from submitting the claim to keeping you updated at every stage.

Whether you were in a car, on a motorbike, riding a bicycle, working as a PCO or taxi driver, or doing deliveries on a moped — if the accident wasn't your fault, you have the right to claim.

All Vehicle Types

We Cover Every Vehicle on UK Roads

Road Claim handles non-fault accident claims for all road users in England and Wales.

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Car Accident Claim

Non-fault car accident? We manage your claim, organise vehicle repair and arrange a free like-for-like replacement car.

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PCO / Taxi / Minicab Claim

Licensed PCO or taxi driver? We arrange a licensed like-for-like replacement vehicle so you keep earning while your vehicle is repaired.

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Motorbike Accident Claim

Motorcyclists are among the most vulnerable road users. We ensure your non-fault motorbike claim is handled with the urgency it deserves.

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Cyclist Accident Claim

Involved in a non-fault cycling accident? Claim for bike repair, replacement bicycle and any financial losses at zero cost.

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Delivery Rider Claim

Delivery drivers and moped riders working for Uber Eats, Deliveroo or Just Eat — we cover you for non-fault accident claims.

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Fleet / Van Claim

Company vehicles, vans and fleets covered. Minimise downtime with rapid claim handling and a like-for-like replacement vehicle.

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Simple Process

How Your Non-Fault Claim Works

1

Submit Your Details

Fill in our 2-minute form with your contact details and vehicle type. That's all we need to get started.

2

We Call You Within 1 Hour

A specialist calls you within 1 hour (Mon–Sat 8am–8pm) to take full details of your accident and assess your claim.

3

We Manage Everything

We notify the at-fault insurer, arrange vehicle recovery, repair and a free replacement vehicle — all at no cost to you.

4

You Receive £75 Bonus

On registration of your eligible claim, you receive a £75 sign-up bonus. Refer a friend and earn another £75 per referral.

What You Get

What Can You Claim After a Non-Fault Accident?

After a non-fault accident, you may be entitled to claim for all of the following — at zero cost to you:

  • Full vehicle repair at an approved repairer
  • Free like-for-like replacement vehicle during repairs
  • Vehicle recovery from the accident scene
  • Loss of earnings if you were unable to work
  • Storage costs for your damaged vehicle
  • Total loss settlement if your vehicle is written off
  • Credit hire vehicle if your vehicle is a total loss
The Road Claim Promise
  • £0 cost to you — ever
  • No effect on your insurance
  • No licence points
  • £75 sign-up bonus
  • Partner of DAMS / Anexo Group
Start Your Free Claim →
FAQ

Common Questions About Non-Fault Claims

What is a non-fault accident claim?
A non-fault accident claim is made when the accident was caused by another driver's negligence. You claim against their insurer — meaning you pay nothing.
How much does it cost to make a non-fault claim?
Nothing. Road Claim's service is completely free. All costs are recovered from the at-fault driver's insurer.
Will making a claim affect my insurance premium?
No. A non-fault claim should not affect your no-claims bonus or increase your premium, because the liability rests with the at-fault driver.
How long do I have to make a claim?
In England and Wales you generally have 3 years from the date of the accident. However, it's always best to act as soon as possible while evidence is fresh.
What if the other driver was uninsured?
You may still be able to claim through the Motor Insurers' Bureau (MIB). Contact Road Claim and we will advise you on your options.
Can I get a free replacement vehicle?
Yes. If you were involved in a non-fault accident you are entitled to a like-for-like replacement vehicle at no cost while yours is being repaired. See our free replacement vehicle page.
Ready to Start?

Make Your Non-Fault Claim Today

Takes 2 minutes. We call you within 1 hour. £75 bonus on registration.