Ready to claim? Our whiplash claims solicitors handle your claim on a No Win No Fee basis, including the Official Injury Claim portal. See how a whiplash claim works
No Win No Fee: The law limits our success fee to 25% of the compensation for pain, suffering and loss of amenity and for past financial losses, after any state benefits are repaid. Compensation for future losses is not counted. If you win, our success fee is deducted from your compensation. It is a percentage of our basic charges, and the law limits it as set out above. Any After the Event insurance premium is payable only if you win, and is never charged upfront. Your letter of engagement sets out exactly what you will pay for your type of claim, and we explain it before you sign. If you lose, you pay us nothing. This applies as long as you keep to your responsibilities under the agreement. You may have to pay costs if you end your claim early, fail to beat an offer the other side made, or a court finds your claim dishonest or exaggerated; where we have arranged After the Event insurance, it covers some of these costs if you keep to the policy's terms. See exactly what you pay.
How much is a whiplash claim worth in 2025 and 2026?
If your whiplash came from a road traffic accident and your symptoms last no more than two years, the amount for the injury is fixed by the The Whiplash Injury (Amendment) Regulations 2025. The figure depends only on how long your symptoms last, and whether you also had a minor psychological injury such as anxiety or disturbed sleep.
| How long your symptoms last | Whiplash only | With minor psychological injury |
|---|---|---|
| Up to 3 months | £275 | £300 |
| 3 to 6 months | £565 | £595 |
| 6 to 9 months | £965 | £1,025 |
| 9 to 12 months | £1,510 | £1,595 |
| 12 to 15 months | £2,335 | £2,435 |
| 15 to 18 months | £3,445 | £3,550 |
| 18 to 24 months | £4,830 | £4,975 |
Whiplash tariff: accidents on or after 31 May 2025. Source: The Whiplash Injury (Amendment) Regulations 2025 (S.I. 2025/615), Table 2 on legislation.gov.uk.
For accidents between 31 May 2021 and 30 May 2025 the lower 2021 figures apply (The Whiplash Injury Regulations 2021). In exceptional circumstances a court can increase the tariff amount by up to 20% (Whiplash Injury Regulations 2021, regulation 3).
What else can I claim on top of the tariff?
The tariff covers the pain and suffering of the whiplash itself. You can also claim the money the accident has cost you, which is often worth as much again:
- lost earnings, including overtime and self-employed income;
- physiotherapy, prescriptions and other treatment;
- travel to medical appointments;
- care and help from family while you recover.
When does the whiplash tariff not apply?
The tariff only covers whiplash from a road traffic accident lasting up to two years, for drivers and passengers. It does not apply if:
- your symptoms last more than two years: the injury is valued using the Judicial College Guidelines, 18th edition (2026) instead;
- you were a cyclist, motorcyclist or pedestrian;
- you also have other injuries, such as a fracture: those are valued separately, and the claim is usually larger.
Not sure which applies to you? The tariff table shows the fixed amounts.
How do I make a whiplash claim?
Adult drivers and passengers usually go through the government's Official Injury Claim service portal when the injury part of the claim is worth up to £5,000 and the whole claim up to £10,000. You can use it yourself, but most people find it easier with a solicitor, especially if the insurer disputes what happened or the claim turns out to be bigger than expected. We handle the portal or the standard court process for you, arrange your medical report and claim every loss.
You usually have three years from the accident to start a claim (Limitation Act 1980, section 11).
Whiplash questions
How much is a whiplash claim worth?
What if my symptoms last more than two years?
Is whiplash covered by No Win No Fee?
Can I claim for anxiety after the accident?
I was a cyclist — does the tariff apply?
Want us to handle it? Start a whiplash claim with NJS Law: No Win No Fee, and our team will be in touch.