How does a car insurance claim affect my no claims discount?

If the insurer makes a payment in respect of a claim that they cannot recover from a third party, they will reduce your no claims discount even if you weren’t to blame. Your no claims discount will be reduced in accordance with the insurer scale applicable at such a time as shown on your schedule.

Your no claims discount will not be affected in the following circumstances:

  • If you only claim for a broken windscreen or windows.
  • If the insurer only has to pay an emergency medical treatment fee.


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