No-Claims Bonus Cannot Be Lost If You Are Not At Fault In a Car Accident

If you have a no-claims bonus, you should not lose it if you are in a car accident which you are not at fault for. Additionally, there need to be strict regulations on raising premiums after an accident which (again) is the other party's fault.

My husband and I have had our no-claims bonus for 10+ years. We haven't had a car accident in longer than that. A few weeks ago my husband was rear-ended by another driver, and we are obligated to report it to our insurance company even as we are pursuing fixing the car through the other driver's insurance. No medical claims were made, no "emotional damage" as you sometimes see in these sorts of situations, just repairing the back of the car. Yet we are now listed as a "statistical risk" because we've been in an accident, even if we've not been a risk for over 10 years.

I believe this is the insurance company's attempt to simply get more money out of the little guy - it's easier to say we're a risk now and to 1) take away our no-claims bonus, even when we're not making a claim on our insurance and 2) raising our premium by £200 as we're now a "statistical risk". I want this outrageous practice to stop - if you're not at fault from the accident, you don't lose your no-claims bonus and your premium cannot be allowed to rise.