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Loosing no claim bonus

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I was completely innocent in the road accident which smashed up my car. How come I now have to lose my no claim bonus?

Once a claim has been submitted, your insurer is entitled to reduce the amount of discount you get. If you can get the guilty party (or their insurer) to reimburse your insurance company for all they have paid you, you may be able to get your bonus reinstated. The important thing to remember is, if you make a claim on your policy, your bonus could be reduced. Blame is not taken into account.