Originally Posted by the_rangdo
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.
Statistically, most people INVOLVED in an incident, regrdless of fault, will have another within the next year.
Not my stats, but one trotted out by those with the data.
I suppose its fair to say some doddey old gits end up being 'victims' due to their stupidity and are indeed likely to do the same thing twice