Insurance taking away my no-claims bonus

[kolts]

I had an incident a few months ago where I'd very lightly reversed into a car in a very public place. I'd left a note but I'd been advised to also ring insurance just incase to log it as an incident just for records purposes if anything came of it (it didn't, as expected).
The person I spoke to from the insurance said it was the right thing to do and it'd have no effect on my insurance premium unless something came of it.

My insurance has now gone up 120% at renewal and they're saying it is due to this. They also won't give record of my no claim discount for me to move insurers.

Where do I stand with this? I know nothing about this stuff.

Bump

Well if it’s already happened again then I think the insurance company were right

@Greenbike 😂 thanks for giving me a smile through the stress

Did you protect your no claims discount on your policy? Read your terms and conditions to see how many fault accidents your allowed before it effects your NCD.

I see what you mean, you haven’t made a claim.

I’m very wary of insurance as a result.

She didn't claim on her insurance though.

No claims doesn't mean no accidents. It means no claims.

@Queenofwistfulthinking my no claims discount won't have been protected if I had to pay more for that. But I haven't claimed ever, so I didn't think for a second that that would come off me!

The person I spoke to from the insurance said it was the right thing to do and it'd have no effect on my insurance premium unless something came of it.

Are you sure nothing came of it. Could the other party have made a claim against your policy?

I think they’re probably holding the case open in case there is a claim from the third party. They probably have a blanket policy of holding it open for 6 months or something and you’re unlucky that your renewal date has fallen within this period. They should reimburse you in due course if no claim is forthcoming.

@DataPup 100% sure.

@HeddaGarbled that sounds like what they were saying. This seems ridiculous that it wasn't explained to me at the time and I was reassured that it would have 'no effect' and it was 'just logged for information'!

Exactly this. They won't give you proof of NCD until they know there isn't going to be a claim.

Previous poster is right, as of right now there is a chance of a claim. You really need to protect your No Claims, it usually only costs slightly more for full cover to include this

Best thing to do is renew with existing insurers (do monthly DD if it’s too much in one go) and then make sure you get the refund later.