No insurance of your own?

Car Accident Without Insurance, and It Wasn’t Your Fault?

Not having insurance doesn’t take away your right to be compensated when someone else causes an accident. If the at-fault driver is insured, you can claim your repairs and a replacement car directly from their insurer — and that’s exactly what we do for you.

Your own insurance isn’t needed
Claim against their insurer
Repairs and replacement car
We handle the paperwork

Get a quote from photos 0470 530 742

20-second check

Am I covered?

Was another vehicle involved?

General information only — eligibility depends on the other driver being insured and their insurer accepting liability.

You can still claim

A not-at-fault claim is made against the at-fault driver’s insurance, not yours. So whether you have comprehensive cover, third party property cover or no car insurance at all, the claim works the same way — provided the other driver is at fault and insured.

For drivers without insurance this matters even more: there’s no insurer of your own to arrange a hire car or repairer, so having someone handle the claim for you makes a real difference.

If the other driver is uninsured too

Then there’s no insurer to claim from, and recovering the cost means pursuing the driver personally, which can be slow and uncertain. We’ll be honest about that before anything is signed. If you have third party property cover, check whether it includes an uninsured motorist extension — some policies do.

Make sure you have their details

Name, address and phone number of the other driver
Their registration number
Their insurer, if they’ll tell you
Photos of the scene and the damage

How it works

Four steps. Zero running around.

Send us photos or give us a call
Whatever’s easier — upload a few photos online or just call us. Two minutes.
We check your options
Not at fault, insurance or private — we explain it plainly before you sign anything.
Pickup or drop-off
We collect from your home or workplace, or you drop it off — whatever suits. And a replacement car to keep you moving.
Repaired & returned
A partner workshop fixes it, you get text updates, and we bring it back.

FAQ

Uninsured & Not at Fault: your questions

Will I get in trouble for not having car insurance?

Comprehensive and third party property insurance aren’t compulsory in Victoria. Compulsory third party (injury) cover is included in your registration through the TAC. Not having property insurance doesn’t stop you claiming from an at-fault driver’s insurer.

What if I don’t know who their insurer is?

With their name and registration, the insurer can usually be identified. Send us what you have and we’ll take it from there.

Crashed? Let’s get you sorted.

Send a few photos and the details. We’ll tell you your options, collect the car (or you drop it off) and take it from there.