I've spoken with the solicitors and both they & Norwich Union (when I called my claim in) believe as this claim will fall in my favour. Mainly because this the motorcycle was overtaking at the time and the solicitors have got a witness statement of the car that was over took.

Hi guys and girls, I could do with a bit of advice but it may take a while to explain so please bear with me as, I really need help with where I stand in this situation. I took a policy out with Norwich Union on the 23rd February 2006. In January 2007, a colleague's car rolled into mine in a car park (his handbreak failed and wasn't in gear) and messed up my bumper. Cutting that part of the story short - he agreed to put it through his insurance instead of paying £300 for the repair. Whilst my car was under repair, I was given a loan car at the 3rd party insurers expense however, I had to cover the car with my insurer (being under 25 - I had to modify my insurance & pay to specifically include the courtesy car). Unfortunately, at the beginning of February - I pull out of a junction when a motorbike overtakes the car letting me out and plowed into the side of the courtesy car. Without going into detail (as this case may end up going to court), I reported the incident as soon as I got home. On the phone to the claims line - I was reassured that my NCB wouldn't be affected since this is obviously at the fault of the overtaking 3rd party. All details were submitted on paper to NU & the appointed solicitor as I was being charged the excess by the garage of the courtesy car for the repair. Skip forward to the 23rd February where its time for my renewal, this was done over the phone by NU who said they only needed payment for this year's premium. Payment made and nothing further was thought of except for when will I receive my £370 excess back. Skip forward again to 23rd May where I'm getting anxious to hear from the solicitors and call NU for their details. After a lengthy & confused conversation with the indian call centre they eventually provide the details of the solicitor dealing with the case. The next day I receive a policy ammendment from NU (dated the 23rd - the of my call) saying I no longer have an NCB??? Then on the 26th May I receive another letter from NU saying that as my policy was taken out before the NCB was removed I now owe an additional premium of £499!!! (but in the event of my claim being found in my favour I will be repaid the cost of the premium). Now... this is a serious case of being guilty until lawfully proven innocent, regardless of the fact, I was advised the my NCB wasn't to be removed and they've decided to change their stance after 3 or 4 months after renewal! Also, I personally don't have £500 in my back pocket, so if I have to pay out on my credit card will they repay the interest until this has been settled??? I think not! Please, please can someone tell me if I'm wasting the time disputing this or are NU in the wrong and I have a right to defend this. Cheers CP