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My car was damaged in a car park - will I lose my no claims bonus?

I was in a car park park and drove over a chain which was flat on the floor. The chain flicked when the back wheels went over and damaged the car back bumper. The security admitted the was their mistake and the chain should have been removed.
The company who owns the car park has not responded over a week now. My insurance company is asking me to obtain a leþer from the company stating that they accept the negligence. Without this my insurance state that I will lose my no claim bonus. Where do I stand?

Asked on 6 October 2023 by Florin

Answered by Craig Cheetham
If you claim on your insurance and the car park owners do not admit liability then your no-claims bonus will be affected. Do you have any photographic evidence of what happened? Some insurance policies come with legal assistance which may help you pursue your claim here. If not, we'd seek independent legal advice against to determine what - if any - action you can take against the car park before making an insurance claim, as unless the car park owners admit liability in writing you will lose your NCB.

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