How to Get Insurance After Being Declined Following an Accident (UK)
Finding car insurance after being declined can feel overwhelming — especially following an accident. Many UK insurers automatically refuse applications if you’ve had multiple claims, high repair costs, or points on your licence. However, there are still reliable ways to get insured again without paying excessive premiums.
This complete 2025 guide explains why insurers decline post-accident drivers, how to fix the issue, and which specialist companies can help you get back on the road legally and affordably.
Why Insurance Applications Get Declined After an Accident
Insurers assess risk based on your claim history and driving record. If you’ve recently made an at-fault claim or have several small claims within a few years, your profile may be flagged as high-risk.
- Multiple at-fault claims within 3 years
- Severe or high-value claim (e.g., total loss)
- Unpaid premium or policy cancellation
- Undeclared convictions or penalty points
- Providing inaccurate information during the quote
These red flags cause mainstream insurers to decline your application automatically — even if your accident wasn’t recent.
Step 1: Find Out Why You Were Declined
Always contact the insurer directly and ask for a written explanation. In the UK, insurers are legally required to provide the reason for refusal if requested. Common reasons include:
- High number of past claims
- Policy cancelled for non-payment
- Invalid information on your application
- Driver conviction not disclosed
Once you understand the reason, you can take the right corrective action — such as updating your driving record or using a specialist broker.
Step 2: Use a Specialist High-Risk Car Insurance Broker
High-risk brokers manually assess applications that standard insurers reject. They often accept drivers who’ve been declined elsewhere, including those with recent accidents or claims. Leading UK providers include:
- Adrian Flux – covers accident-prone and convicted drivers.
- Sky Insurance – accepts declined applications after accidents.
- One Call Insurance – flexible payment and risk assessment.
- Hastings Direct Specialist – evaluates each case manually.
You can also start with a tailored comparison via our High-Risk Car Insurance Comparison UK tool to find insurers open to post-accident profiles.
Step 3: Avoid Common Mistakes When Reapplying
- Never hide previous refusals — insurers cross-check records via shared databases (CUE & MID).
- Disclose all accidents, even non-fault ones.
- Ensure your personal details (address, licence type, vehicle) are accurate.
- Declare any temporary bans or pending prosecutions.
Providing accurate and transparent information increases the chances of approval significantly.
Step 4: Consider Short-Term or Temporary Car Insurance
If you need immediate cover but struggle with long-term acceptance, try a temporary car insurance policy (1–30 days). Several UK companies, like Dayinsure or Veygo, accept drivers with recent claims while you secure permanent coverage.
Step 5: Improve Your Risk Profile
Once you’ve been declined, it’s crucial to demonstrate improved reliability to insurers. You can do this by:
- Completing a DVSA-approved driving or awareness course.
- Using a telematics policy to record safe driving.
- Reducing your annual mileage.
- Driving a car in a lower insurance group.
- Building a new no-claims bonus with specialist insurers.
Step 6: Reapply After 12 Months
Insurers soften their stance over time. If your decline was recent, wait 12 months, drive safely, and collect evidence of improved habits. Reapply with updated records — ideally through a broker who can explain your progress to insurers.
Can You Still Drive if You’ve Been Declined?
No — driving without valid insurance is illegal in the UK. If you’re struggling to find a policy, always explore options through the Motor Insurers’ Bureau (MIB), which helps uninsurable drivers find legal solutions.
Average Premiums After Being Declined
Specialist insurers offer flexible pricing for declined drivers:
| Profile Type | Average Annual Premium (2025) |
|---|---|
| 1 recent at-fault claim | £1,100 |
| 2+ claims (past 3 years) | £1,750 |
| Declined by major insurer | £1,900+ |
Although these are higher than average, using comparison tools and rebuilding your record can lower costs within 1–2 years.
Final Advice
Being declined isn’t the end — it’s a sign to take control of your profile. Specialist UK insurers exist specifically for drivers in your situation. Focus on transparency, responsible driving, and gradual improvement, and you’ll soon regain access to standard insurance rates.
To start comparing quotes right now, visit our High-Risk Comparison Page — designed for drivers with previous refusals or accidents.
Frequently Asked Questions
Why was I refused car insurance after an accident?
Most insurers decline if you’ve had multiple at-fault claims, unpaid premiums, or inaccurate details on previous applications.
Can I get car insurance after being declined?
Yes. Specialist brokers like Adrian Flux or Sky Insurance accept declined drivers and manually review each case.
Is it illegal to drive without insurance in the UK?
Yes. Driving uninsured can result in a fine, penalty points, and vehicle seizure. Always secure valid cover before driving.
How soon can I reapply after being declined?
You can reapply immediately through a specialist broker or wait 6–12 months to improve your record for better rates.