What do you mean by 'at fault' and 'non-recoverable'?

The phrase 'at fault' is often used when there's no one and no policy to claim the cost of the accident or damage from. The money has to come from your policy even if you weren't to blame.

Of course, in some cases drivers are at fault, but there are lots of examples of where although it's clearly not your fault, there's just no one to claim from. For example, if your car is vandalised and the vandal can't be traced or when someone scrapes your car in the supermarket car park and doesn't leave their details, it's not your fault.

So sometimes, even when you're completely innocent, unfortunately it can still be recorded as an 'at fault' claim on your policy. This is also known as a 'non-recoverable' claim.