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If a claim is made, how is my NCB or NCD affected?

If a claim is made, how is my NCB or NCD affected?

If you make a claim on your policy where your insurer pays out, you’ll generally lose a few, or all, of your no-claims bonus. Yet, if you’re hit by another car and it’s agreed that you weren’t at fault, your insurer may have the capacity to reclaim the payout from the other car’s insurer and your NCB or NCD may not be affected.

In cases where fault can’t be agreed on, insurers may split the cost of the claims and the two drivers’ NCB or NCB could be affected. Also if your car is stolen or damaged by bad weather, this will also apply.

If you pay for another policy with a decreased NCB or NCD and are later found not at fault, you can usually get your NCB or NCD reinstated and a discount on the extra premium you paid.

Common questions asked:

Ways to conserve

Can I transfer NCB from overseas

How do I build my NCD or NCB?

If a claim is made, how is my NCB or NCD affected?

How can I get proof of no-claim bonus NCB or NCD?

What is a protected no-claims bonus NCB or NCD?

What happens when I change my car or policy?

Can I use my bonus NCB on two cars?

Can named drivers build up NCB?

No-claim bonus NCB does it apply to work vehicles?

How to transfer your company car NCB

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