Insurance And No Claims Discount

[Frankieola]

I'm covered third party fire and theft and had an accident last week, I'm also in the last month of my policy. I have notified the insurers but nothing has been settled as of yet.
I now need to renew my policy but how much no claims do I have? Do I have none as I've notified them of an accident even though its not been sorted, do I have 2 years until they tell me the claim is settled and I have none or what? Someone has told me that if i was due to have 2 and have an accident it means I've now got 1, Any answers would be appreciated!

[Baldric]

what does your renewal notice say?

[Baldric]

Who was at fault, you, the other person?

[Frankieola]

They emailed me a renewal notice that said 2 years but there was also a note on it that said to check my details were correct! i'm thinking of shopping around but want to get it right.

[Frankieola]

It was a 4 car pile up on the M25, I was car 3, and speaking to other drivers we all think it was a staged accident. I've been told it could take months to sort out.

[Baldric]

good luck!

[Canary42]

Only your insurance company can answer this - they're all different and interpret their deliberately vague terms in a variety of ways, not always consistently.

[chas2008]

they often assume you have lost your no claims after an accident until its proved otherwise or settled...easier to refund premium than ask for more

[gingejbee]

Dare I point out that, given your current situation, shopping around for a lower premium could prove difficult?