No claims

[starlorna22]

I had an accident in February where I hit another car, but it was their fault as they pulled out on me.
I put a claim in, and it was confirmed it was their fault.

Will I lose my no claims for this even though it was proved I wasn't at fault?

[almcd007]

No you shouldn't. No claims bonus is awarded for not claiming on your own policy. If it was not your fault - the insurance comapny still act on your behalf but as there is no blame - none of the costs of the repairs etc will be met by your insurance company - so your no claims will be secure.

Do your ins co offer to protect your no claims bonus? - if so ask them as it's definitely worth looking into !

[NORMANTHEDOG]

it does affect your policy in the future though, if you were to change companies they ask if you have been in any type of accident in the last 5 yrs,your fault or not and they do take it into consideration.

[starlorna22]

thanks for your answers.

I'm fully comp, I don't have any protected no claims, as I only passed my test in Nivember, so this would be my first yr with no claims

[Gef]

If you were not at fault then you have nothing to worry about as any claim you make is against the other persons insurance and not yours.

[jennyp]

You should be ok, so long as the other driver was insured!!!!!