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:
Can I use my bonus NCB on two cars?