Do you lose no claims bonus if not your fault?

In most cases, you’ll not lose your no-claims bonus if the accident wasn’t self fault. Most insurers will have a protected no-claims bonus, which means that by making a claim you won’t lose your discount. 

However, if the other driver is responsible and their insurance does not pay for all the damages, your premiums may still go up. This is especially true if you were in a car accident where the fault is contested or unclear. 

Collecting evidence showing that the other driver was at fault is important, as it can help prevent your premium from increasing. If your insurance company attempts to impose an excessive punishment on you, a knowledgeable attorney can help combat this ruling. 

It is important to understand what your policy says, and a lawyer can make sure your self rights are protected so that you don’t wind up losing your bonus as a result of a claim that was not your fault.