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had none fault accident. lost NCB

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My granddaughter had a none fault accident. Claimed from the other drivers insurence for repair to her car plus car rental during repair. All settled they admitted liability straight away. NO PROBLEMS. Then 4 months later her insurer contacted her about the incident. She made it clear she did not wish to make a claim. They then sent her an accident report form, stating they may withdraw cover if she didnt co-operate. So she had no alternative than to fill it in. Now her renewal is due and theyve given zero NCB How unfair is this? what should she do?

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