insurance question

wongataa

Your No Claim Discount is only affected if a claim is made on your own insurance policy.  If you claim on a 3rd party's policy it is not affected.

DOBLY

^ The questions asked by an insurer are about the person (driver), not just about their claim record. They will ask questions in such a way that you have to reveal all incidents in order to avoid the risk of being declined a payout in future, but not all incidents will affect the premium - but that is their call on what to include or ignore.