Any other claim on our car insurance is a 'fault' claim, meaning that our insurer has had to pay out on it.
The important thing to remember is that a 'fault' claim and actually being to blame aren't the same thing, your vehicle could be damaged in a way outside your control, but if our insurer has to pay out, it is still a 'fault' claim.
That means that the following are not sufficient reasons for a claim to be 'non-fault':
The claim is not caused by you or your actions
You feel (rightly or wrongly) the claim was unavoidable
For example, if another car hits your vehicle while it's parked on the street, and the other driver drives off without leaving their details, your claim would be a 'fault' claim.
You may be able to use a third party service to cover this excess. Feel free to head over to our community
to see what other members are using!