Switched Insurance

If you’ve changed insurers and had an accident, You’re not alone

Many drivers switch insurance to get a better deal or improved cover. It’s a normal decision, but after an accident, it can leave you unsure where you stand. If you’ve had a car accident claim after changing insurers, you may be wondering which policy applies, who should handle the claim, or whether switching has affected your rights. At Caledonia Claims, we help drivers across Scotland make sense of this situation and understand what options may still be available, clearly and without pressure.

Understanding accidents after switching insurance

An insurance claim after an accident can feel more complicated when you’ve recently changed providers. This is often because:

Policies start and end at specific times
Insurers may disagree about responsibility
Cover details can vary between providers
Communication can become unclear

None of this means you’ve done something wrong. It simply means the details need to be reviewed properly.

What this can mean for your claim

If you’ve switched insurers and then been involved in an accident, the next steps usually depend on:

When the policy change took effect

Which insurer covered you at the time of the incident

Whether the accident was your fault

What evidence is available

In many cases, drivers are still able to move forward with a non-fault accident claim, even if insurers initially seem unclear or slow to respond. Our role is to help you understand where responsibility lies and what that means for your accident claim UK process.

How we help when insurance has changed

When drivers contact us after switching insurers, they’re often frustrated by mixed messages or delays.

We help by

Reviewing the timing of your policy change

Clarifying which insurer should handle the claim

Explaining your position in plain English

Dealing with insurers on your behalf

Keeping you informed as things progress

If your car isn’t drivable, we also look at whether replacement or mobility support may still be available, depending on your circumstances.

Common concerns drivers have

We often speak to drivers who ask

Did switching insurers weaken my claim?

What if both insurers say it’s not their responsibility?

Can I still get help if the accident wasn’t my fault?

Do I need to deal with both companies myself?

These are reasonable concerns. Sorting them out usually comes down to clear timelines and proper handling — not starting over or giving up.

Clear guidance, Without pressure

If we’re able to support your road traffic accident claim, our service operates on a No Win, No Fee basis for eligible cases, with Scotland-specific fee caps explained before anything moves forward.

You’ll always know

What we can help with

What your options are

What any costs would be

And you’re never rushed into a decision.

When should you speak to us?

You may want to get in touch if you’ve switched insurers and had an accident, your insurance claim after an accident is being delayed, you’re unsure which insurer should be handling your claim, you’ve been involved in a non-fault accident and want clarity, or you simply want to understand your position before proceeding.