A Fault Claim is an accident or loss where you are considered to be to blame, or where your insurance company cannot recover their costs in full from someone else. Claims made for loss due to fire or theft, damage caused by an unknown or uninsured driver and vandalism claims must be recorded as 'Fault' claims.
A 'Non Fault Claim' is a claim where you or your insurer has been successful in recovering all costs associated with the claim from the responsible party.
Please note, claims that are likely to be settled 'Non Fault' but which are still pending at policy commencement or renewal will be recorded as 'Fault Claims' until such times as all costs have been recovered.
