bottom line is you've never earned above the legal threshold?
so cant see anything ever happening
these claims were solely issues because 'something' was ignored.
and they thought they'd get a default rubberstamped judgement because it would be ignored too.
Sounds like the third party Insurers have accepted fault and anything you claim, will be reimbursed to your Insurers by the third party insurers. So you should not have any no claims discount reduction.
it is then a question about risk loading to your policy, which is an extra amount as you are seen as a greater risk. You may call it being unlucky being hit by another car, but Insurers think your bad luck is on balance likely to continue. Sorry for the bad news !
Ever heard of the saying about bad things or bad luck happening in threes. Statistics suggest that one accident can often lead to further accidents. It just happens this way. I have known a number of people say that they have had several accidents in one year, when they had no accidents in 30 years of driving.
As a guess, your premium may increase by 10 to 20%, plus the Insurers normal rate increase. This may happen for the next few years, but may be less if you qualify for any more no claims discount.
Make the claim and ensure that your Insurers make the recovery from third party, so your no claims discount is not reduced
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!