Quote:
Originally Posted by Dashnine
Because your driving profile now means you are driving in situations where people crash into you - therefore you are increased risk compared to before when the insurance company didn't know that. As there is now a chance you will place yourself in this situation again, you have a higher premium..
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And that really is the logic they follow! Sneakily it won't affect your ncb (unless you claim through your own insurance in which case it's a lottery) - but they will increase your base premium. When claiming from the other driver's insurance be sure to include a suitable amount for increased future premiums - on top of everything else.