If you have recently been involved in a car accident, finding insurance afterwards can feel uncertain.
In the UK, insurers take accident history into account, but having a claim does not automatically mean you cannot get cover.
What matters most is understanding how insurers assess risk and comparing options based on your individual circumstances.
Reviewed by MySupermarketCompare Editorial Team
This page is for UK drivers who:
Whether the accident was your fault or not, insurers will usually consider the details when calculating a quote.
When you apply for car insurance after an accident, insurers may look at:
A single accident does not automatically make you uninsurable, but it can influence pricing and available options.
In some cases, yes.
Even if an accident was not your fault, insurers may still consider it when assessing risk. Each provider uses different criteria, which is why prices can vary significantly between insurers.
Comparing quotes allows you to see how different insurers treat the same accident history.
In addition to the accident itself, insurers often consider:
How long you have held your licence
Your no claims bonus status
The type of vehicle you drive
Where you live and park the car
How the vehicle is used
Being accurate and honest with these details is essential when comparing quotes.
Different providers assess accident history differently, so prices can vary.
If you have NCB protection, it may limit the impact on your discount.
Adjusting your voluntary excess can affect the premium, but choose an amount you could afford.
Making changes during a policy can sometimes incur fees.
Monthly payments often include interest, so annual may be cheaper overall if affordable. See pay monthly options.
Focusing on the overall value of cover is usually more helpful than looking only at the headline price.
You may also find it useful to read about:
These pages cover related situations that can affect insurance availability and cost.
Start a quote online now to see what options may be available based on your details.
Start a Quote in 2 Minutes →This page was written to explain how car insurance works after an accident and what UK drivers should consider when comparing options. It is reviewed regularly to ensure clarity and accuracy.
MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and does not constitute financial advice.
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