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could you not have protected your no claims, most insurance companies will protect it if you have 4-5 years no claims. My insurance told me that with every claim, you loose 2 no claims years, so that sounds about right.
I was in a side road pulling out onto a main road, the last car in the que had his indicator on to go down my side road, i then checked the opposite road to make sure that was clear, started to pull out slowly, other driver kept going! Got out of car, yelled at him, his indicator still blinking, got a witness
got home, rang insurance... a few months later, car (my old peugeot 206) repaired, paid 600 quid excess, he had denied his indicator was blinking, witness had moved address and basically deserted me, went to 50/50 and i lost all of my no claims.
he was 50+ years old so he had plenty of no claims to spare, i had a bad neck and received basically my excess + a little more back
Learnt my lesson dont trust no one
rant over
Wow that is realy shitty.
They did offer to protect them for a fee but as I detest being ripped off for insurance anyway because Im a young lad and its a type R, I wasnt willing to pay another 80 quid for it, regretting my stubornness now!!