At fault accident

[arnie12]

After some guidance please, I had an at fault accident in my partners car last month. Both cars have now been sprayed and repaired and claim closed. Now the insurance for this car had protected no claims (due to end in September) my car insurance is due for renewal next month. Do the protected no claims protect my insurance (I am a named driver on partners insurance) obviously I need to tell my insurance company about the accident but do I keep my no claims? Will I see a huge spike in premium? Any advice gratefully received!

[Heres Johnny]

arnie12 said:

After some guidance please, I had an at fault accident in my partners car last month. Both cars have now been sprayed and repaired and claim closed. Now the insurance for this car had protected no claims (due to end in September) my car insurance is due for renewal next month. Do the protected no claims protect my insurance (I am a named driver on partners insurance) obviously I need to tell my insurance company about the accident but do I keep my no claims? Will I see a huge spike in premium? Any advice gratefully received!

If you didn't claim on your insurance, you've still got your no claims bonus. Her protected no claims bonus or not is irrelevant to your insurance, you'd have been ok anyway.

Declaring the accident, which as you recognise you need to do, may cause a spike from a driver risk basis but no real way of knowing how much until you get quotes.