if i cancel an ongoing car claim, will my premium/NCB be affected?

zildjian09

nearly 3 months ago someone drove into my car and we exchanged details etc but then told his insurance company that there was no collision as he had no damage on his car (there was no visible damage but a dent and scratch on my car). basically, he will not accept liability and it will probably end up going to court. my insurance company are half soaked and do not seem to be doing anything to progress the claim.

as i'm a young driver, my excess is £400. i've had a few quotes for the repair and it is coming in about £350. even though i was not at fault at all and i don't want the other person to get away with it, i was going to just get my car repaired as it is less than my excess and it will mean i won't lose my NCB.

my question is, am i right in assuming that i can just write to my insurance company and say that i am withdrawing my claim and ask them to confirm that it will not affect my premium or NCB? if i can do this, what do i say on all further insurance quotes when they ask if you have had any claims in the last 5 years? do i mention it but say it was withdrawn?

please help, this is really upsetting me!

vaio

if you withdraw then your NCB will not be affected but the "incident" will be on your record and have to be declared to future insurers. It will almost certainly cause a premium increase.