When you hit another driver, liability or fault comes into play. If it’s agreed you were at fault and your insurer pays out, both your premium and your No Claims Discount (NCD) may be affected.

However, if you were not at fault for the accident, your insurer will look for the other driver’s insurer to pay out and your NCD may not be affected.

If fault cannot be agreed upon, both driver’s insurers usually look to split the cost, and both driver’s NCD may be affected.