No fault accident, you need to speak to Winn Solicitors in Newcastle before your insurance company. They specialise in no fault accidents. You will not lose your NCB and will not affect your premium. As soon as you speak to your insurance Co. it's on your file and will affect your next premium fault or not your fault. People think because it's not their fault, it will not affect their premium - IT DOES.
Winns will keep everything intact and claim against the other persons insurance without your insurance company being informed.
In case you're worried, it's no fee. They are first solicitors to provide this in UK as Winn was in a crash himself and was ****** off at being penalised through no fault of his own.
http://www.winnsolicitors.com/