Old Insurance policy claims effect

Connavar

Hey guys,
I was involved in an incident in may last year that the insurance companies accepted was a 50/50.
At the time I was the only one to make a claim, so I kept my no claims discount.
I have since renewed my insurance with the same company(the incident was still open so I didn't have much choice).
I got a call today saying that the other party had put in a claim(not sure why it took so long to put the claim in) and that my company would be paying out 50%, which I have no problem with.
Now my question is, since the claim was only put in now, when the time comes to renew my insurance again, should I have my one years no claims from the renewed policy, or will I be left with none(assuming no further claims on the renewed policy).

djimi

I have never seen it where one element of the policy is protected; it usually a case that a claim (be it first party/third party or both) either affects the NCB or it doesnt.

You need to ask your insurer about this really though; only they can give you the correct answer.

oldyouth

You must have had your bonus protected if you didn't lose it at renewal. Insurers don't differentiate between own damage claims or TP claims.

To answer your specific point, they can only stop the bonus once for the same incident

Connavar

I didn't loose my no claims initially as I had claimed through the other parties insurance, not my own.
We both only had third party insurance at the time, so the other person had to claim through my insurance, which she has now done.

djimi

Ah okay. Whether or not they will count this year as a years NCB or not Im not sure; youll have to check that with them. I wouldnt have thought so tbh, as the claim actually happened this year even if the actual incident took place in your last insurance year, but Id only be guessing.