Will a Non-Fault Accident Affect Land Rover Insurance? | GVE London – Blog

We won’t beat around the bush here. The unfortunate reality of the situation is that if you get into an accident, even one wherein you weren’t at fault, it can still mess with your insurance. It doesn’t matter which car you drive, a Land Rover or a Land Cruiser. Insurance companies have an interesting way of looking at things.

What Exactly Is a Non-Fault Accident?

Imagine waiting for a red light to turn green. You’re listening to music, your car is still, and life is good. BAM! Someone rear-ends you. Not your fault, right? You were abiding by all the rules. Well, since you didn’t cause the crash and someone else did, that’s basically a non-fault accident. 

Here, the goal is to convince the insurer that it wasn’t your fault, so they cover the cost. When they do, it is classed as a non-fault accident claim.

So… Will Your Insurance Go Up?

More likely than not, yes, it will go up. Not as much as if you were the cause of the accident, but it will still go up. You see, Insurers don’t just look at blame. They look at patterns. Statistically, someone who’s been in any accident is more likely to be involved in another. That’s what the data shows, and that’s how they set prices. Even a non-fault accident claim can be seen as a risk factor. That’s why premiums can rise.

What About Your No-Claims Discount?

If it truly wasn’t your fault, and your insurer recovers all costs from the other party, your no-claims discount shouldn’t be affected.

But here’s the catch: sometimes it takes a while to sort things out. During that time, your NCD might be on pause. If things are settled in your favour, it’ll be reinstated. But if there’s any dispute or cost they can’t recover, you might lose some or all of it. (LV=)

Always worth asking your insurer how they handle non-fault claims and NCD.

Read Also: What’s the Difference Between a Fault and Non-fault Claim?

Why Your Choice of Repair Centre Matters

Here’s where things can get worse, depending on your decision.

Land Rovers aren’t like most cars. Repairs done at random bodyshops can lead to issues down the line. Poor finish. Parts that don’t fit right. Paint that doesn’t match.

You’re better off going to an authorised repair centre like GVE London. Even better if it’s a place like Supercar Bodyshop, which deals with high-end vehicles every day. These centres follow strict standards. Your warranty is protected. And your car gets repaired properly the very first time. Choosing the right place can also help your claim go more smoothly, especially if they’re used to dealing with insurance companies.

What You Should Do After a Non-Fault Crash

If you’ve been in an accident, here’s what you do:

1. Ensure everyone is safe. Get medical assistance if needed
2. Report it, even if you’re not claiming, to keep your insurer informed. 
3. Gather all the evidence you can, including dashcam footage, photos, and witness accounts; all that you can.
4. Go to your preferred authorised repair centre or supercar bodyshop. Remember, you have the right to choose here.
5. Make sure everything’s clear and ask about your NCD status after the claim.

Conclusion

You didn’t cause the accident. But that doesn’t mean you’re totally off the hook when it comes to insurance. Be smart. Get things repaired the right way. And keep your insurer in the loop before they find out some other way, as that certainly will negatively impact your insurance. To make this entire ordeal easier, tie up with a supercar service centre like GVE London. Not only can we restore your car to its former glory, but our team will handle the non-fault claim to service and detailing to customs on your behalf. Get in touch with us today to know more!