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I lost a hubcap on my car on the motorway and caused damage to the car behind me - why has my insurance gone up?

Last year I lost a hubcap on my car on the motorway and caused damage to the car behind me where we exchanged details. I informed my insurance company and now at renewal, I find my insurance class has been degraded by two classes and my premium is £130 more than last year. Is there anything I can do? Why is my insurance class impacted?

Asked on 26 February 2020 by Rob

Answered by Honest John
Because you have had a fault claim made against you. I assume when you say "insurance class" you mean your "no claims bonus". There is nothing you can do if you have not protected your no claims.

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