losing no-claim bonus -advise sought..

xyz111

Hi i had accident last year and no one claimed it on my insurance... this year upon renewal I am losing my no claim bonus as insurance company closed that case with fault code at my side.. company says they will look into it and they seem to agree that if no one made a claim then I should not be losing it..

 I am also thinking about contacting national ombudsman …please advise..thanks.. 

Norman_Castle

Did you claim for damage to your car?

AdrianC

Somehow, I think we're missing some detail...

What is the truth, whole truth, nothing but the truth...?
Did anybody claim off anybody's insurance?
Did your insurer end up paying their bill?

Sandtree

You cannot engage the ombudsman until you have had a final response from the company or 8 weeks have passed since you logged your complaint.

xyz111

Norman_Castle said:

Did you claim for damage to your car?

no one claimed anything...neither parties...nothing pursued..

mluton

xyz111 said:

Norman_Castle said:

Did you claim for damage to your car?

no one claimed anything...neither parties...nothing pursued..

But you had an accident. So you lose your no claims. You will have to declare this also for the next few years as a non fault, no loses accident to.
The insurance company see you as higher risk now. This does vary from insurance company to insurance comapny: https://www.financial-ombudsman.org.uk/consumers/complaints-can-help/insurance/motor-insurance/fault-claims-no-claims-bonuses

AdrianC

If there really was no claim by anybody, then the NCB should be safe.

The base premium will rise because of the at-fault collision. But the NCB shouldn't be dinged.

The most likely explanation is that there was a claim that the OP simply doesn't know about.

xyz111

makes sense.. 
insurance company confirmed that there is no claim from third party...
claim 1: accident but neither party accepted the fault and none party claimed
claim 2: not claimed (No claim protection in place)
claim 3: not claimed (non -fault) (No claim protection in place)
therefore none claims pursued ...please advise..

Car_54

mluton said:

xyz111 said:

Norman_Castle said:

Did you claim for damage to your car?

no one claimed anything...neither parties...nothing pursued..

But you had an accident. So you lose your no claims.

No, you don't. Not unless your insurer has had to pay for a claim.

born_again

xyz111 said:

makes sense.. 
insurance company confirmed that there is no claim from third party...
claim 1: accident but neither party accepted the fault and none party claimed
claim 2: not claimed (No claim protection in place)
claim 3: not claimed (non -fault) (No claim protection in place)
therefore none claims pursued ...please advise..

So you have had 3 separate claims in how many years? 

Some no claim protection seem to only stay if you keep with the same company.

nottsphil

born_again said:

xyz111 said:

makes sense.. 
insurance company confirmed that there is no claim from third party...
claim 1: accident but neither party accepted the fault and none party claimed
claim 2: not claimed (No claim protection in place)
claim 3: not claimed (non -fault) (No claim protection in place)
therefore none claims pursued ...please advise..

So you have had 3 separate claims in how many years? 

Yes but the claims weren't claimed on, see. 
 As the OP states, 'makes sense'.....