If you’ve been involved in an accident and a claim has been made, but we’ve not yet been able to recover our costs, you’ll lose your No Claims Discount (even if you’re not at fault). The same goes for if we’re unable to recover any payments from other parties involved in the crash.
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For any claims where we’ve fully recovered our costs, your NCD will not be affected.
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If you have Fully Comprehensive cover, you’ll be allowed one claim per 12-month period of insurance for glass or windscreen damage, without affecting your NCD, as long as an approved repairer is used.