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If you make a claim for an accident that is not your fault and the driver of the car that hits you is not insured, you will not lose your no claims discount or have to pay any excess.


We will need:

  • the vehicle registration number and the make and model of the car
  • the driver's details, if possible.

It also helps us to confirm who is at fault if you can get the names and addresses of any independent witnesses, if available.

When you claim, you may have to pay your excess. Also, if when your renewal is due investigations are still ongoing, you may lose your no-claim discount temporarily. However, once we confirm that the accident was the fault of the uninsured driver, we will repay your excess, restore your no claims discount and refund any extra premium you have paid.

In Northern Ireland cover not available to under 22’s.

This promise is for comprehensive policyholders only.

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