The short answer: No — if handled correctly. By claiming through Road Claim against the at-fault driver's insurer rather than your own, your no-claims bonus (NCB) stays completely untouched. Free service. £75 sign-up bonus.
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Your no-claims bonus (NCB) — also called no-claims discount (NCD) — is a discount you earn for every year you drive without making a claim. It can reduce your premium by up to 60-70% after several years. Naturally, protecting it matters enormously.
Here is the key distinction that many drivers miss:
Even as a non-fault driver, some insurers treat any claim as a potential premium risk at renewal. Your NCB may not be reduced, but your premium can still rise. You may also have to pay an excess.
We claim directly against the at-fault driver's insurer. Your own policy is never touched. No excess. No claim recorded against your policy. No premium impact. NCB fully protected.
This is your legal right as a non-fault driver. The principle of restitutio in integrum — restoring you to your pre-accident position — means the at-fault driver and their insurer must pay. You should not be financially worse off.
Even a casual apology can be recorded as admission of liability and used against you.
You are contractually required to inform your insurer of any accident. But you do not have to claim through them.
Early settlement offers are often below what you're entitled to. Let Road Claim handle this.
This keeps your own policy untouched and your NCB fully protected.
Photos, dashcam footage, witness details and the accident report all support a clean non-fault record.
If you report a non-fault accident to your own insurer and they handle the claim, they may still record it on your policy. Even if your NCB is contractually protected, some insurers factor "claims history" into renewal pricing — meaning your premium can still increase even without losing your NCB.
Road Claim bypasses this entirely by pursuing the claim against the at-fault insurer directly, leaving your policy completely clean.
Road Claim protects the no-claims bonus of drivers, motorcyclists, PCO drivers, cyclists and fleet vehicle operators.
We claim against the at-fault insurer. Your policy stays clean. Zero cost.