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How Long Does a Claim Stay on Car Insurance in the United Kingdom?

When it comes to car insurance claims, many people wonder how long these claims stay on their insurance record. The duration for which a claim remains on your car insurance record in the United Kingdom can vary depending on several factors. Let’s take a closer look at how long a claim typically stays on car insurance and other related FAQs.

In the United Kingdom, a car insurance claim usually stays on your record for a period of five years. This means that insurers will be able to see the details of any previous claims you have made when calculating your insurance premium. However, it’s important to note that not all claims will impact your premium in the same way. The severity and frequency of the claims can also influence the amount you pay for your car insurance.


1. Will a non-fault claim affect my car insurance premium?
A non-fault claim may still impact your insurance premium, although typically to a lesser extent than a fault claim. However, every insurer has its own policy, so it’s best to check with your provider.

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2. Do all claims stay on my record for five years?
Most claims will stay on your record for five years, but some insurers may only consider claims from the past three years when calculating your premium.

3. Will a claim affect my no-claims bonus?
Yes, making a claim can result in the loss of your no-claims bonus, which could lead to an increase in your insurance premium.

4. Can I protect my no-claims bonus?
Yes, many insurers offer no-claims bonus protection as an optional extra. This means that even if you make a claim, your no-claims bonus won’t be affected.

5. Can I remove a claim from my record?
No, you cannot remove a claim from your record. It will automatically be removed after the specified time period.

6. Will a claim affect my ability to switch insurers?
Having a claim on your record may affect your ability to switch insurers, as some providers may be hesitant to offer coverage or may charge higher premiums.

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7. How can I reduce the impact of a claim on my premium?
You can try to reduce the impact of a claim on your premium by comparing quotes from different insurers, opting for a higher excess, and maintaining a clean driving record after the claim.