Will My Premium Rise After a Non-Fault Claim?
It is the ultimate insult. You get wiped out by a bad driver. Your bike is ruined. You do everything by the book, and then next year, your insurance company hikes your premium anyway. We believe in brutal honesty. Here is exactly how insurance companies treat non-fault claims, and how using independent specialists can protect your wallet.
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The brutal truth about algorithms
Let's be clear: a non-fault claim can still increase your premium. Insurance companies use ruthless algorithms to calculate risk. Their statistics show that a rider who has been in one non-fault crash is statistically more likely to be involved in another incident in the future. Because you are deemed a fractionally higher risk, they hike the price. It is completely unfair, but it is entirely legal.
Protecting your No Claims Discount (NCD)
There is a silver lining. If the claim is settled 100% in your favor and your insurer recovers all their costs from the at-fault driver's insurance, your No Claims Discount remains intact. You will keep your 5 years NCD. However, the base premium that the discount is applied to might still go up. If the claim is still ongoing when your renewal date hits, they might temporarily suspend your NCD until the case is closed.
Why claiming through a specialist beats your insurer
If you claim directly through your own insurance, you have to pay your policy excess upfront (often £500+). You only get it back months later if they win. If you use the independent specialists we connect you with, you bypass your insurer for the repairs. The specialist claims the money directly from the at-fault driver. You don't pay your excess. You don't lose out of pocket.
You must declare it anyway
Some riders think, "I just won't tell my insurer to keep my premium down." Do not do this. It is insurance fraud. Your policy legally requires you to declare all accidents, regardless of fault. If you hide it and they find out via the central claims database, they will cancel your policy. A cancelled policy makes it almost impossible to get insured again.
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Motorbikes don't have crumple zones, airbags, or seatbelts. When a crash happens, your body absorbs the kinetic energy. Even a low-speed drop can cause serious damage. We connect you with specialists who understand the unique physical toll of bike crashes and ensure no injury is left out of your compensation claim.
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