Sasaferrato
Super Refuser!
It doesn't stop them ramping up the premium though, you still have 9 years NCB, but renewal cost is up by 30%.That does depend on the policy, for example my policy guarantees that I don't lose my no claims bonus if an accident is caused by an uninsured driver, even if they are unable recover their pay-out from the driver them self.
In respect of 'fire & theft' claims, the summary just says 'you may lose your NCB', which implies a level of discretion depending on circumstances/fault.
Mind you, I've got my NCB protected anyway.



