Do you loose No-claims bonus after an accident that wast your fault?

Bardic

The way it works is you report to your insurers, who will then claim off the other party's insurers. If the other party's insurers accept the claim then they will be paying out, not yours, so you won't lose your NCB. There is no claim on your cover.

I'd contact your insurers to establish what is going on - it may be that the NCB is suspended temporarily while the bickering between insurance companies is going on, but they should tell you what's happening. Something similar happened to me once, it turned out that some clerk in their office had put a tick in the wrong box . . .

Kieran B

While you have a claim outstanding you will lose your no claims - once the claim is completed you'll get it back and be entitled to any over-payment made.

tickle_****

IM insured with halifax and i have claimed when it wasnt my fault, the other party admited liability and so i claimed on THEIR insurance therefore it has had no affect whatsoever on my no claims but does show as a claim i made on my policy....hope this helps

Dave

Most of the time no but depends on what tipe of insurance

no if you were fully comp
no if you joined jusing an offer that told you you wouldnt lose your no claims bonus

other wise - you would loose it even if its not your fault

Carla A

If you havent claimed on your insurance then no it cant, you MUST have claimed on your insurance for something otherwise your insurance company probably wouldnt even know.

Aynat_lol

There is no way that you can be subject to an increase in your insurance; and nor would you loose your no claims as long as you had these protected; if you did not have these protected; then yes you may loose them. But if the accident is not your fault and the other party is at fault; then you seriously need to talk to your insurance company/solicitor/loss adjuster.

chobalobba

someone went into the back of me and that pushed me into the car in front, i was stationary at the time,my car was a write off, and the other driver admitted liability,the first driver claimed off me and then my insurance claimed off the driver who hit me, i didn't lose any of my no claims, but i always have them protected and don't know if that makes a difference, but if someone else is liable for the accident i don't think you should lose your no claims.

rosie recipe

if you can get the other driver to pay up or if you have no claims bonus protection, you should be OK

Otherwise you'll lose it

ME2029

it all depends. i live in the US in Iowa and we are a no fault state. so you get charged on your insurance even though it wasn't your fault. i got hit by two drivers in a 3 year time frame and my ins. went threw the roof. its best to check with your local state to see for sure if they are a no fualt state or not.

Craig m

It depends if ur ncb was protected or not. its down to your policy

Tam

Yes unless you have a protected no claims. This usually gives you a set number of claims before you lose your bonus. If your not sure what you've got phone your company and ask.

lisa_b

if you didnt have your no claims protected then you lose your NCB

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