Understanding Non-Fault Claims for Maximising Benefits | GVE London – Blog

Accidents are extremely stressful, both emotionally and financially. Driving on public roads, however, always exposes you to bad characters—drivers who perhaps shouldn’t be behind the wheel. In case you’ve unfortunately met one of these characters and an accident happens, and if you’re not at fault, you’re not left alone to just bear the cost of it. You can make a claim, a Non-Fault claim, when the incident wasn’t caused by you. In this blog post, we’ll explain how a Non-Fault Claim works and how to maximise its benefits.

What is a Non-Fault Claim?

Let us begin by first explaining what a Non-Fault Claim is. It is a claim made to one’s insurance company when an accident has occurred but the driver— the one filing the claim—is not responsible for the accident. Imagine waiting patiently at a stop light and somebody rear-ends you. Was that your fault on any level? Nope. So, you can file a non-fault claim, and the insurance company will handle the claim on your behalf. The responsibility of reaching out to the insurance provider of the driver at fault and recovering the cost of repairs, medical expenses, and other losses becomes theirs.

Remember, as long as you are not responsible for the accident, you will not need to pay your insurance any excess. In order to prove your innocence, you will need evidence be it in terms of witnesses, photographs or videos. 

Benefits of a Non-Fault Claim

There are several benefits of making a Non-Fault Claim, such as protecting your no-claim bonus (you won’t lose your bonus as long as the other driver’s insurance covers the cost of repairs and other damages) and your premium will not increase due to the accident either.

However, the most immediate and vital benefit is that you don’t have to pay any excess. In case you own a supercar or a luxury vehicle, you already know that the repair costs for these machines cannot be compared to a daily driver. These cars can and must only be fixed by a supercar repair shop with trained professionals. The cost of labour, spare parts (which are rare, as these cars themselves are rare), and the time lost on repairs; it all adds up. In this particular situation, using a Non-Fault Claim becomes even more important. You don’t want the average Joe to fix your supercar—it ought to be worked upon by experts ensuring the highest standards.

Read Also: Insurance Repair vs. Out-of-Pocket Repair: What’s Best for Your Supercar

The Difference Supercar Bodyshop Repairs Make

A supercar is a much more complicated machine than an average vehicle you’d see on the road. There is a reason why every company doesn’t build one, and naturally, not every company or garage is capable of repairing them. Supercar bodyshop repairs take into consideration the special tools, knowledge, and intricate little details of the car when doing their job in order to best bring it back to life.

Getting your supercar fixed at a regular garage can have numerous disadvantages. Unlike with supercar repair shops, it is tough to determine whether the spare parts being used are authentic or not. Is the facility capable of fixing carbon fibre? Can they match the OEM paint? Will they work on aftermarket bodykits? Do they have the required tools and qualified staff recommended to work on these marvels of engineering? All these questions can run rampant and cause further stress in an already stressful situation; this stress is unfelt when working with a supercar service centre like GVE London.

Conclusion

As the owner of a supercar that has met with an accident, wherein you weren’t at fault, making a non-fault claim is absolutely essential, as it will maintain your no-claim bonus and ensure that the repairs of your car will be fully covered. Supercar Repair Shops like GVE London, located in the West London area, can not only help you with filing for a non-fault claim but, being a sanctuary for all things supercar, their technicians are more than capable of restoring and repairing your car back to its pristine condition, meeting expectations and guaranteeing the highest quality service to help you get back on the road faster. If your luxury car is in need of detailing, service, or any form of modifications, visit GVE London, London’s finest supercar service centre.