360 Accident Management
Being involved in an accident that was not your fault raises specific questions about excess, no-claims discount and recovering costs. We help gather the right evidence and manage communication with insurers throughout.
Being told, or believing, that an accident was not your fault does not automatically make everything that follows simple. Liability still has to be established with evidence. Until it is, practical questions such as who pays the excess, who arranges recovery, and whether a no-claims discount is protected cannot always be answered with certainty. Understanding this from the outset helps set realistic expectations.
A non-fault accident, in general terms, is one where another driver's actions caused the collision, and where the evidence supports this. Establishing that position properly takes evidence: photographs, witness details, dashcam footage where available, damage patterns, and sometimes a police report. This is why the guidance to gather evidence at the scene, covered on our what-to-do page, matters so much in a non-fault claim.
For eligible non-fault cases, customers may have no excess to pay and may be able to protect their no-claims discount, subject to liability, insurer decisions and the terms of the claim. This is a genuinely valuable outcome where it applies, but it is not guaranteed in every case. It depends heavily on the strength of the evidence and how liability is ultimately determined between the insurers involved.
Recovery, assessment and repair generally proceed in a similar way regardless of fault, in the sense that a damaged vehicle still needs to be recovered, assessed and, where appropriate, repaired. What differs in a non-fault claim is where the costs are ultimately intended to come from, and this is why keeping good records and cooperating with the process matters throughout, not just at the roadside.
How it works
Report and initial review
We take details of the accident and review the initial evidence available to assess whether the circumstances support a non-fault position.
Evidence gathering
We help identify what further evidence would strengthen the claim, such as witness statements, dashcam footage or a police reference, where these are available.
Recovery and assessment
The vehicle is recovered where needed and assessed to establish the extent of damage and the appropriate repair path, in parallel with the liability process.
Insurer communication
We communicate with the relevant insurers on your behalf, presenting the evidence gathered and pursuing a non-fault outcome where the facts support it.
Replacement transport consideration
Where the position supports it, replacement transport eligibility is assessed, with terms explained clearly before any credit hire arrangement is agreed.
Resolution and cost recovery
Once liability is determined, we support recovery of excess and other applicable costs from the at-fault insurer, and advise on the outcome for your no-claims discount.
Capability
Liability is not simply a matter of one driver's word against another's. Insurers assess the evidence available, which can include photographs of the damage and scene, witness statements, dashcam or CCTV footage, the position of the vehicles, and sometimes a police report. Where this evidence clearly supports one driver's account, that insurer is more likely to accept liability without prolonged dispute.
Where evidence is limited or contradictory, insurers may take longer to reach a position, or may agree a split liability outcome, where each driver is found partly responsible in agreed proportions. This affects the practical outcome for the customer, including whether an excess is payable and to what extent a no-claims discount is protected. This is why we explain this possibility honestly, rather than assuming every case resolves entirely one way.
Excess recovery in a non-fault claim generally works by the excess being refunded once liability is confirmed against the other party. This is rather than never being charged in the first place, and depends on how the claim is structured. No-claims discount protection similarly depends on the case being accepted and processed as non-fault by your insurer, and the specific terms of your own policy.
Cooperation matters throughout this process. Responding promptly to requests for information, keeping any evidence gathered at the scene, and being consistent in your account all support a stronger non-fault position. Delays or gaps in information, on the other hand, can slow the process or weaken the case.
We cannot guarantee that any specific case will be accepted as non-fault, that an excess will not be payable, or that a no-claims discount will be protected. These outcomes depend on the evidence and on decisions made by insurers. We aim to present the strongest possible case and to explain the position honestly at every stage.
Why 360
Reading facility
Body repair, paint, structural repair and nationwide accident management support.
8 Arkwright Road, Reading, Berkshire, RG2 0LUMonday – Friday: 9:00am – 6:00pm
Saturday: By appointment only
Sunday: By appointment only
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All 360 Accident Management servicesArkwright Road, ReadingAreas we coverContact 360
360 Accident Management
24/7 nationwide accident assistance, recovery and replacement vehicle support.
