I lost four years of NCD even though no claim was made - is this fair?

I bumped another car whilst parking. No damage was done and neither party claimed but I lost four years of No Claims Dicsount. Is this fair?

Asked on 29 August 2018 by Richard Stead

Answered by Tim Kelly
No, it is not. If no claim is made it should not affect your policy in any way. They will advise they have to do this as the other party has six years to make a claim. Ask your insurer for proof of notification from the other party that a claim is being made, or you will sue them for breach of contract.
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