How's my excess/NCB affected if I'm hit by uninsured drivers?
While your claim is being investigated
While investigations are ongoing, you may have to pay the amount of your excess and lose your no claims bonus.
If your claim is successful
If we establish the other driver is uninsured, and the accident is their responsibility, your excess will be refunded. Plus, your no claims bonus will be reinstated, and you’ll receive a refund for any additional premium you may have paid.
Who pays for damage caused by an uninsured driver?
Your policy will cover you for any damage caused to your car by an uninsured driver.
What we don’t cover you for
If we’re unable to trace the person responsible for the accident, or if it is proven that you caused the accident, we will handle your claim, but you will not be able to use the uninsured driver protection cover.
Find out more about Car Insurance from Swinton
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