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  1. I have been driving for less than two years, but am about to qualify for my 2 years NCB for the first time. I drive about 25K miles pa with no accidents at all up to last weekend. This was when another driver was backing out of the parking bay opposite to me trying to back out too and swung round to exit, whilst I was stopped to re-manouvre to go the right way, and he hit my bumper causing the panel to come loose. He tried to drive off but I stopped him and I called police and our details were exchanged. Before the police arrrived he tried knocking on windows putting words into mouths of drive
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