At Swinton, we want to ensure you’re not penalised if you’re involved in an accident that’s not your fault, with a driver who is uninsured.
If you need to make a claim against an uninsured driver, you’ll need to make sure you provide us with the following information for your claim to be successful:
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.
Your policy will cover you for any damage caused to your car by an uninsured driver.
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.