A non-fault accident is one where you weren't responsible for the collision. Rather than claiming through your own motor insurance policy — which can affect your no-claims discount while liability is confirmed — a non-fault claim is pursued directly against the at-fault driver's insurer.
In practice, this means MotorClinicUK arranges your vehicle recovery, an independent damage inspection, and a like-for-like replacement vehicle, then recovers the cost of all of this, along with your repair bill, from the other party's insurer.
Your Claims Advisor handles communication with both insurers, the repairer, and any legal support required, so you're not left explaining the accident to multiple people. The aim is that a non-fault claim costs you nothing and doesn't affect your own policy.
If you've been in an accident that wasn't your fault, call 0116 2018 111 and we'll confirm whether your claim qualifies to be managed this way.