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Will car insurance go up after a claim?

It doesn’t matter what type of claim you make, it can affect your next car insurance quote. Even if you are involved in an accident that is not your fault or your car has been stolen, your car insurance is likely to go up.

By how much will my car insurance go up after a claim?

It’s difficult to know how much your insurance will increase by. Some motorists have found that premiums have gone up by as much as one third.

Many people are surprised to find their premiums go up after an accident that was not their fault. Insurance companies justify this by saying that any claims add to their risks of insuring cars.

Will making a claim affect my no claims discount?

Some insurance policies have a protected no claims discount, meaning that a claim will not affect the discount. If your policy does not have a protected no claims discount, you will lose some of it and this will increase the insurance cost.

Whether you have a protected no claims discount or not, your car insurance cost will go up after making a claim.

Finding a cheaper policy

After you have made a claim, when it comes time to renew the policy, the new quote will be higher based on the fact that a claim has been made. Of course, you can always try to find cheaper insurance by using a broker, price comparison website or going directly to an insurance company. When applying for a quote, you must tell the broker, comparison site or insurance company the details of any accidents you have been involved in over the last five years, even if they were not your fault. Reported accidents must include ones for which no claims were made.

Don’t be tempted to leave relevant information undisclosed in the hope of getting a cheaper quote. It is very likely that any non-disclosure will be picked up as insurance companies share data. Any failure to disclose accident and claim details will invalidate the policy.

If your household has more than one car, insuring multiple cars on the same policy may reduce the cost, but if one driver has made a claim and others haven’t, this could mean you do not save anything with a multi-car policy.

If you have low annual mileage, you may be able to get a quote based on not driving far each year. You can also reduce premiums by using the car only for social purposes and not for work.

You could change your car for a smaller one that is in a lower insurance band. Another way to save money is to increase the excess amount paid for any claim.

Driving after your car insurance goes up

By law, cars have to be insured. Car insurance gives you the peace of mind of knowing that if you are involved in an accident, repairs will be covered. Unfortunately, if a claim is made, your insurance premiums will inevitably go up. Even after shopping around you could find that you pay more for a new policy than your existing policy. 

If you rely on your car, you may have no option but to pay extra for car insurance after a claim. However, as mentioned previously, there are ways to keep your insurance costs to a minimum, and it’s important to shop around to make sure you get the best deal.

Other related FAQs

Looking for more related content to this? We’ve picked a selection of related topics that you may find helpful

In the UK, every car is allocated an insurance group. This helps insurance companies determine the cost of cover. The groups run from 1, which offers the cheapest premiums, to 50, which offers the highest.

Backdating car insurance cannot be done under any circumstances. Since it is a criminal offence to do so, you will not find any broker or insurance company who will be able to do this for you.

Put simply, the reason why car insurance is high is because the cost of claims is high. As a result, insurers increase premiums to protect themselves and make a profit.

There are two types of excess – one compulsory, the other voluntary. The compulsory excess that your insurance company sets is the amount you must pay towards any repair done to your vehicle if you cause an accident. The voluntary excess is an optional amount on top of this – which means you’ll pay more towards repairs – but your annual premium price will come down in exchange.

You can be insured to drive a car on a policy in someone else’s name. This can be done by being a named driver on someone else's policy either permanently or for a short period.

There are a number of reasons why car insurance quotes can change, such as if you’ve recently changed your address, or for reasons out of your control, like government tax increases.

A no claims bonus is a discount that’s applied after your insurance premium is calculated by a car insurance provider. The discount doesn’t stop your premium from going up; instead, it simply gives you a percentage off your premium – and that discount grows with every claim-free motoring year you have.

Unfortunately, it’s impossible to accurately calculate how much your car insurance is going to cost without getting a range of quotes. As well as looking at national driving statistics, insurers will seek a huge amount of information about you and your vehicle before deciding on a personalised price.

Generally speaking, your car insurance covers your vehicle and damage that you may cause to other vehicles and motorists. Depending on the type of policy, it can also cover a range of additional extras, such as medical expenses and breakdown assistance

If you’ve had an accident of any kind, you’ll need to report it to your insurer soon afterwards. When you do, they’ll seek a detailed explanation of what’s happened and assess the damage done to your car. When they have a clear understanding of what’s occurred – and assuming you have fully comprehensive cover, they’ll arrange to repair your vehicle – or pay its market value if it’s written off.