From 31st May 2021, if you have a road traffic accident that was someone else’s fault, as a result of which you suffer whiplash injury and you decide to make a compensation claim, you will only be entitled to recover a fixed amount in compensation for the injury you have suffered.
How much compensation will you receive for a whiplash injury under the new scheme?
For Road Traffic Accident Claims that occurred on or after 31st May 2021 and 31st May 2025, when claiming through the Official Injury Claim Portal (OIC), you will receive:
| For Symptoms Lasting | Value |
| Up to 3 months: | £240 |
| 3-6 months | £495 |
| 6-9 months | £840 |
| 9-12 months | £1320 |
| 12-15 months | £2040 |
| 15-18 months | £3005 |
| 18-24 months | £4215 |
The tariffs were increased in 2025, with the effect that for whiplash injuries suffered in accidents occurring on or after the 31st of May 2025, the new tariffs are as follows:
Whiplash Tariff Figures (Post 31st May 2025)
These fixed compensation amounts apply to whiplash injuries sustained in England and Wales, based on the duration of symptoms and whether a psychological injury is also present.
| Injury Duration | Without Psychological Injury | With Psychological Injury |
| Not more than 3 months | £290 | £260 |
| More than 3 months, up to 6 months | £620 | £600 |
| More than 6 months, up to 9 months | £1,040 | £1,000 |
| More than 9 months, up to 12 months | £1,570 | £1,510 |
| More than 12 months, up to 15 months | £2,010 | £1,930 |
| More than 15 months, up to 18 months | £2,530 | £2,430 |
| More than 18 months, up to 24 months | £2,960 | £2,850 |
What else changed on the 31st of May in relation to road traffic accident claims and whiplash claims?
- The small claims limit increased from £1000 to £5000 for road traffic accident personal injury claims. This rule change means that you will no longer be able recover any legal costs if you use a solicitor to help you make a road traffic accident claim that is worth less than £5000. Your claim will go through a new portal (website) which was built with the stated aim of allowing the public to make their own claims through the portal (more on that shortly).
- The Civil Liability Act 2018, the piece of government legislation that is behind the new whiplash rules, defines a whiplash injury as ‘a soft tissue injury in the neck, back or shoulder’.
- The new rules prevent insurance companies from making offers to settle whiplash claims without a medical report having first been obtained.
- Motorcyclists, cyclists, pedestrians, horse riders and children who are injured in road traffic accidents are not subject to the new rules. That means the new £5000 small claims limit and the new RTA small claims portal do not apply to motorcycle accidents, cycling accident claims, pedestrian accident claims horse riding accidents and claims involving children. All of these types of claim are unaffected by the new rules.
Mooneerams Solicitors and Whiplash Claims under the new rules
The new whiplash and road traffic accident claims rules were years in the making but only finalised at the very last moment.
Mooneerams have been helping the people of South Wales and beyond to make road traffic accident claims and whiplash claims since 2002.
Ever since the whiplash reforms were first proposed, we have been clear in our own minds that whatever form the new rules took, we would continue to offer a No Win No Fee road traffic accident claims service to our clients. In other words, it would be business as normal.
Whatever type of road traffic accident you have been involved in and whatever kind of injury you have suffered as a result, Mooneerams can help you to make a personal injury claim (as we have been doing for thousands of clients for over 20 years).
Call us on 029 2199 1927 or contact us online, and we will respond promptly.
