Hi I have been involved in very minor car incident where I slightly touched the bumper of the car before me. This was on traffic lights and no damage was done at all (not even a scratch). But the other driver registered this incident with his insurance company and there is a claim case created with my insurance company as a result. The other driver didn’t actually claim any damage and my insurer now gave me back No Claim Bonus as well (after about 11 months from the incident). However their renewal quote is much more expensive now (even with No Claim Bonus intact). I’m assuming this is because of the claim even if there was no damage. I’m shopping around and assuming I still need to mention this claim when asking for a quote? Can you please advise whether that’s’ the case? If so would this claim be considered as settled or not settled? Thank you

Hi I have been involved in very minor car incident where I slightly touched the bumper of the car before me. This was on traffic lights and no damage was done at all (not even a scratch). But the other driver registered this incident with his insurance company and there is a claim case created with my insurance company as a result. The other driver didn’t actually claim any damage and my insurer advised that if there is still no damage claimed after 6 months I can keep my No Claim Bonus intact (the incident happened 11 months ago). Now, I received a renewal quote, which is much higher than expected and after calling them they advised that they reduced my NCB to 3 years (from 9) because of the claim. They said that I get to keep my NCB only if there is no damage claimed within 18 months (not 6 as advised previously). As a result I need pay more for the renewal, which seems very unfair to me considering there is no damage claim against me and I need to wait 18 months. Seems like money making scheme to me. Can anyone advised if there is something I can do about this? I didn’t find anything helpful on my policy T&C. Any help would be much appreciated. Thank you