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      01-30-2012, 02:35 PM   #11
the_rangdo
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Drives: 530d F11
Join Date: Jun 2009
Location: Rochdale

Posts: 327
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I had guaranteed NCD, someone rear-ended me, their company paid up as it was entirely the 3rd party fault.

My insurance still went up 30% at renewal as apparently being hit by someone else makes me more likely to have an accident.

Your NCD might be protected but the base premium is entirely flexible.
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