[Yaw]

Your no claim bonus is just that...a NO CLAIM bonus. When there is no recovery or you cannot identify the at fault party, be that a theft, a car that was parked with the third party not leaving any details or an animal your no claim bonus should be affected to make it fair on other policy holders as a recovery cannot be made which means the entire client base pay for the repairs. If a protected rating or no claim bonus is important to you, that is something you should look for in a policy when you take it out.

I don't know why the delay in the assessing. but the above is right no matter who you insure with unless there is a protected no claim bonus which is a benifit of a policy that offers that, not a right.