Making a claim can affect your renewal price, but it depends on the type of claim and how it’s settled.

Factors that can affect your car insurance price

• Who was at fault – If Marshmallow can’t recover the costs from another party, the claim is considered a "fault claim" and it may increase your premium.
• How many claims you’ve made – One claim may have a small impact, but multiple claims usually increase your price more.
• The type of claim – Windscreen claims and thefts are treated differently from accidents.
• If your No Claims Discount (NCD) is protected – Even if your NCD is safe, your price can still rise based on overall risk.
• Other risk factors – Your age, car type, location, and driving history all play a part.

What kinds of claims affect price the most?

Fault claims (where we pay and can’t recover the costs) tend to have the biggest effect. These often include:

• Accidents where the other party can’t be identified
• Shared liability incidents (e.g. roundabouts)
• Damage with no third party involved

Do non-fault claims increase my price?

They might. Even if you’re not at fault, the fact that a claim occurred may still influence your renewal price. We assess overall risk, including how likely a driver is to claim again.