Road accidents

My car was hit while parked, will my insurance go up?

When you park your vehicle, we assume that it’s been left in a secure place within the parking space lines. But, what happens when your car has been hit while parked?

The RAC averages 39 million parking acts at the end of a trip every day, which is not surprising that damage to parked vehicles is becoming more frequent.

According to a RAC survey conducted in 2016, over a third of drivers had their car hit at least once, with the supermarket car park the most common location. The general consensus is that drivers just sigh and carry on. However, that doesn’t need to be the case!

At Claimsline, through our Credit Hire services, we can help limit the disruption to your day-to-day life and work alongside you to recover the costs of repairs from the at-fault driver.

My car was hit while parked

Did someone hit your parked car? Now, you might think that if it wasn’t your fault, your insurance shouldn’t be affected. Unfortunately, even if the accident wasn’t on you, it might impact next year’s premium.

Luckily, there are ways available to make a non-fault claim from the other at-fault driver’s insurance company directly without going to your insurer. This won’t incur any costs for you or impact your own insurance.

If your car was hit while parked, at Claimsline we provide no cost assistance

Will my insurance go up if my car was hit while parked?

Typically, the immediate response after any road accident is to reach out to your insurance. However, calling your insurer may not be the best option as there are different reasons why your insurance would increase after a road accident.

Pending claim

Once your next insurance renewal comes around, the insurance company will usually attach the pending claim to your own policy. If the at-fault driver’s policy doesn’t cover the entire claim, your own policy is at risk of taking on some, if not at all of the claim costs, expenses and losses.

Increased premium

Even if the accident wasn't your fault, your insurance premiums may go up when you renew because the insurer may think you're a risk. Insurance companies will want to recoup the costs of any payout made after an accident.

Losing your no-claims bonus

Your no-claims bonus can be wiped out or reduced if you file a non-fault accident claim through your insurance. Your next insurance premium could go up as a result of losing or reducing your no-claims discount. Losing some, if not all of your no-claims bonus also means that you need to rebuild a no-claims discount over the years, incurring higher premiums over time.

Claims history risk

The insurance risk is linked to your claims history over the last 5 years. Even non-fault, they’re still considered when insurance renewals are due and stored in different databases, such as the Claims and Underwriting Exchange (CUE).

Once the claim is concluded, this risk is assessed based on the non-fault accident circumstances. Some insurance companies will consider that after you’ve been in a car accident, you’re more likely to experience another one compared to someone who has not been in one.

Claims management companies vs insurers

To avoid increased premiums, call a claims management company like Claimsline. A claims management company offers an alternative to the traditional insurance claim processes. Once you take the first step, Claimsline will get your non-fault car accident claim up and running, making our service the top choice compared to going with your insurer.

No cost direct claim

Call a claims management company for a like-for-like replacement vehicle while your car is being repaired at no cost to you. We start the claim process directly with the at-fault’s driver insurance, so you don’t have to pay your insurance policy excess. We’ll handle your accident claim without involving your insurance company, so your no-claims bonus won’t be affected.

We arrange your vehicle repairs

We arrange your vehicle’s repair at our body shops with manufacturer-approved repair garage options.

Same-day like-for-like replacement vehicle

We get how frustrating it is to lose access to your everyday vehicle. Whether it’s for the school run, your daily commute, or for your business, we’ll work with you to get back on the road with as little disruption to your life as possible. We’ll deliver a same-day like-for-like replacement vehicle fully insured, directly to your location at no cost to you. 

Get in touch today to discover our fleet of vehicles available.

We claim your write-off value

We will negotiate on your behalf with the at-fault insurance company. We use different valuation tools to ensure that in the unfortunate scenario, your vehicle is deemed a total loss, you receive a fair market value.

Once a pre-accident value figure is agreed upon, these funds will be transferred to you directly, irrelevant of any outstanding finance.

You then must clear any existing finance on the vehicle. As a Claimsline client, you will be entitled to remain using the replacement vehicle for seven days after receiving cleared funds, giving you time to purchase a new vehicle.

Your own dedicated claims handler

Claimsline is your go-to alternative specialised in non-fault accident services. We’re dedicated to assisting drivers throughout the UK after a non-fault incident. To speak to an advisor for guidance on getting started on a non-fault claim, call 0333 006 8262

We’ll swiftly arrange a like-for-like vehicle, delivering it directly to you to use until your claim is resolved. Alternatively, fill out this online claim form and one of our friendly advisors will provide a call back to discuss the circumstances with you.

How to make a claim if your car was hit while parked

If your car is being hit while parked due to the at-fault driver, we can help you make a claim. Once you have collected all evidence and information to prove exactly what happened, call Claimsline before your insurer and our expert and friendly team will guide you through the claims process and take the stress out of a difficult time post-accident.

Collect details from the at-fault driver

You’ll only need the registration number of the at-fault party (though the driver’s name can help, but is not essential). Taking pictures at the accident scene, involving both vehicles if possible and areas of damage can help as well.

Check notes and CCTV

It is a legal requirement for the at-fault driver to leave a note with their contact and insurance details explaining what happened. Explore evidence around the accident location; check for cameras and request a copy of any available CCTV footage. Talk to your neighbours and see if they have any CCTV cameras on their property. Look for any local shops and nearby garages in the area that may have CCTV cameras.

Check for witnesses

Gather contact details from witnesses. Collect contact information from any witnesses present at the scene of the accident and get a written statement from each of them detailing the events leading up to and including the accident.

If the at-fault driver leaves the scene or is not cooperative, it’s crucial to report the incident to the police immediately.


720 reviews

What you can claim for if my car was hit while parked?

If your vehicle was hit while parked, you can claim for car damage and any other losses you may incur as a result of the accident, such as the courtesy hire car, directly from the at-fault driver’s insurance company.  The other party is responsible for reimbursing you the full cost of the repairs and any other expenses. These costs can include vehicle repair, vehicle recovery, vehicle write-off value and the cost of a replacement car.

Don’t Claim on Your Insurer - Call Claimsline

If your car has been hit while parked, your first contact after the accident should be an accident management company like Claimsline. Avoid losing your no-claims bonus and save from paying insurance excess today. 

We’ve helped over 18,000 drivers since 2018. Our swift car replacement service will guarantee you back on the road while your vehicle claim is managed by providing a like-for-like replacement car on the same day, absolutely free. 

Rated Excellent on TrustPilot, protect your no-claims bonus and receive a like-for-like replacement vehicle.


Will making an accident car claim affect my insurance?

After your car has been hit while parked and is non-fault, Claimsline can help avoid the disruption of being off-road by sorting you out with a credit hire vehicle. This won’t affect your insurance in any way as you’re not claiming it. Choosing Claimsline will protect your no-claims bonus, providing it is a non-fault claim.

Do I need to have been in the car to make a claim?

In short, no. If your vehicle has been hit as a result of the negligence of another driver, then you’ll be able to make a claim given is non-fault.

How much will my insurance go up after a non-fault accident?

Unfortunately, in many cases, a non-fault claim will increase the cost of your car insurance, although it shouldn't have as much of an effect as making an at-fault claim would. Some providers can raise your premiums by up to 30% for one non-fault claim, and by up to 50% for two non-fault claims. With Claimsline, there’s no risk to your insurance premiums.

Related articles

Side Impact Collision - Who’s At Fault?

Road accidents

When the front of one car crashes into the side of another vehicle, we call it a side-impact collision. Usually, this happens when the oncoming vehicle is cruising at a medium to hi...

How do accident management companies work?

Road accidents

Most people assume when they’ve been in a car accident they need to contact their insurance straight away. But this doesn’t have to be the case.

  • Claim Management Company of the Year

    Personal Injury Awards, Finalist 2023
  • Claims Team of the Year

    Broker Innovation Awards, Finalist 2023
  • Overall Scale up Business of the Year

    Scale Up Awards, Finalist 2022

© Copyright 2024 Claimsline Group Ltd. All Rights Reserved. is a trading style of Claimsline Group Ltd, registered in England and Wales, Company registration number 09071409. Registered Office: C/O Burton Varley Ltd, Suite 3, 2nd Floor, Didsbury House, 748 - 754 Wilmslow Road, Manchester, United Kingdom, M20 2DW. VAT registration number 199616255. Registered with the Information Commissioner's Office; registration number ZA059156. Where the service is offered at No win no Fee this means that a customer will typically pay 42% Inclusive of VAT of any amount recovered by a panel solicitor although this will be subject to your individual circumstances and the actual fee may be less than this but it will never be more. A cancellation fee may be charged by a third party/panel solicitor if you cancel outside the cooling off period. You do not need to use a claims management company to make a Personal Injury claim; you can do this yourself for free using the Claims Injury Portal if your claim falls under its remit. We may receive a fee for introducing you to a third party/panel solicitor, this does not affect any compensation you may receive. You can find our terms of use, privacy policy and our cookie policy here. Claimsline Group Ltd is a claims management company. Any solicitor or car hire company we recommend you to is an independent professional from whom you will receive impartial and confidential advice. You are free to choose another solicitor. *We saved on average clients £537* Over the past 12 months, from 2nd May 2022 to 2nd May 2023, we provided a replacement vehicle to 4,092 clients, and we are pleased to report that none of them had to pay any excess. Our clients have saved an average of £537, which is based on the average excess amount that our clients would have had to pay during that period. **We'll pay £150 towards your excess fee if you're responsible for an accident. How do we do this? When you come to collect your car after repairs are completed, we'll provide credit against your excess payment of £150. In order for us to credit £150 you must be using one of our approved BS 10125 repairers. ***Where we reference "Our membership has already saved customers an incredible £8 million and counting!" Since we began we have helped 16,709 clients who we have provided a replacement vehicle to as of 2nd May 2023, over the past twelve months the average excess saved was £537.Claimsline Group Ltd is regulated by the Financial Conduct Authority in respect of regulated claims management activities. Our FRN Number is 831196. As published in The Times on 24/09/23, The Daily Mail 08/10/23, The Guardian 09/09/23.