A long no claims discount (NCD) can cut your premium by 60% or more. Losing it after an accident that wasn't even your fault feels deeply unfair — and, handled correctly, it's entirely avoidable.
Why claiming through your own insurer risks your NCD
When you claim on your own policy, your insurer pays out first and then tries to recover from the other side. Until they recover in full, your NCD is typically reduced — and even 'protected' NCD doesn't stop your base premium rising after a recorded claim.
The alternative: claim against the at-fault insurer
An accident management company claims directly against the at-fault driver's insurer. Your own policy is never touched, no claim is recorded against it, and your NCD — and excess — stay exactly where they are.
Act quickly
The sooner a specialist takes over, the stronger your position: evidence is fresh, hire needs are documented from day one, and the at-fault insurer can't steer you into their own cut-price processes. Call us on 0208 981 4633 as soon as possible after any non-fault accident.