Why do you call it 'at fault' for some claims when it's clearly not my fault?

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

For example, if your car's vandalised (and the vandal can't be traced) or someone scrapes your car in a car park (and doesn't leave their details), it's clearly 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.