An accident where you are to blame, or where you cannot recover costs (e.g. not being able to trace the driver who hit your parked car).

This is when you're considered accountable for an accident or loss, or when the insurer is unable to recover the cost of an incident from the other party.

An accident or loss where you are deemed to have caused the accident or loss, or where you or your insurance company cannot recover costs from somebody else. Some claims will always be classed as fault claims, for example when your car has been broken into and items have been stolen from it. Although you haven’t done anything wrong, there is no one [..]

An accident or loss where the insured person is considered at fault. You are deemed to be at fault if your insurance company cannot recover its costs from someone else.

An accident or loss where the policyholder is considered to be to blame, or where the policyholder's insurance company cannot recover their costs from somebody else. For example, if the policyhol [..]

A claim where the insured is assumed to be responsible for the accident or the insurance company cannot recover the costs from the individual responsible.