Here are the most common question and answers on Claim.

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What happens if someone makes an insurance claim against you?

Do I pay my excess if someone claims against me?

How do I know if I have a claim against me?

What happens when someone puts a personal injury claim against me?

Does insurance go up after a claim?

How much does insurance increase after a claim?

What happens if someone makes an insurance claim against you?

If someone claims against you and you accept liability (see above), then your insurer will pay the third party's costs. However, if your own vehicle needs fixing, you will have to pay for it out of your own pocket.

Do I pay my excess if someone claims against me?

Do I have to pay an excess on my car insurance policy if only the other party is claiming? An excess is the amount you pay towards your own repairs or claim, so you don't have to pay an excess for a third party's claim. Also, if you don't claim for your own damage, you don't pay an excess either.

How do I know if I have a claim against me?

The easiest may be to ask your existing car insurance provider for details of any claims you've made in the past. This information could include the date of any claims, the type of claims, how much was paid out, and details of any injuries.

What happens when someone puts a personal injury claim against me?

If another road user is making a claim against you, in almost all cases you are not expected to fight the claim yourself. Your insurance company will assess the claim and is responsible for paying out any compensation to the claimant if the claim has merit.

Does insurance go up after a claim?

How claims affect your premium. Statistically, people who make an insurance claim are more likely to make one in future. It's proved by nationally gathered data, which insurers rely on to calculate insurance risk. This is why your premium goes up after you make a claim.

How much does insurance increase after a claim?

20% to 50%

If you have claimed on your car insurance, you can expect to pay 20% to 50% more for cover in the future. However, the amount varies depending on who is to blame for the claim, the severity and expense of the accident, and your overall driving record.

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