Ask Honest John

Honest John Ask Honest John » Why have I lost my no-claims discount when no claim has been made against my policy?

Why have I lost my no-claims discount when no claim has been made against my policy?

I’ve a second car with two years' NCD. The policy runs out at the end of June so I should now have three years' NCD at renewal. Last November, I’m driving home and a pedestrian runs off the road and clatters into the side of my car. Ambulance and police were called, the police find two witnesses who say I did nothing wrong and the pedestrian was in the wrong. I paid for the damage to my car to avoid losing my NCD. The cops said I had nothing to worry about as I wasn’t at fault. The guy signed himself out of hospital that night and was back at work a few days later.

I got my renewal today for my insurance and I’ve lost all my NCD. It says "claims and losses £tbc: accident damage - November 2009. 0 NCD." Before I phone up and lose it with the insurance company, where do I stand?

Asked on 11 June 2010 by photoboy

Answered by Honest John
You had no claim. The pedestrian had no claim. So ask them what it is all about.

We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.

Insurance group finder and how to save on insurance
Similar questions
My partner had an accident with a German registered HGV in October 2015. My insurers, AXA, were given written statements and photographs at the time denying liability and empathised that the collision...
How much is my premium likely to go up following a minor at-fault bump?
I was recently involved in an accident, with minor damage to both vehicles. As the car I bumped was in front of me, going round a big roundabout (French driver was lost and suddenly stopped in the traffic),...