How long does an accident claim stay on my insurance record in the UK?

17.04.2024

Unfortunately, insurers have long memories! Accident claims, even if you weren't at fault, can typically stay on your record for around 3 to 5 years. This means they can impact the quotes you get during that time.

What do insurers see?

When you get an insurance quote, they'll ask about previous claims. They're interested in:

  • Who was at fault: If the accident was your fault, it'll have more impact on your premiums than if someone else was to blame.
  • The size of the payout: Large payouts for accidents suggest a higher risk to insurers.
  • How long ago it was: The more recent the claim, the bigger the impact it'll likely have on your quotes.

How to minimize the impact

  • Shop around: Don't just stick with your old insurer – get quotes from lots of companies.
  • Build your no-claims bonus: Every claim-free year helps lower future premiums.
  • Consider extra cover: Options like a protected no-claims bonus can sometimes soften the blow of a past claim.

Important Note: Always be honest about past claims when getting quotes. Not disclosing them could invalidate your insurance.

services icon

IF YOU HAVE ANY QUESTIONS, PLEASE DO NOT HESITATE TO CONTACT US

Free consultation