The requirement is to "claim free AND accident free". You were not accident free.
You have confirmed that the above information is correct in relation to motor accidents or claims had in the last 4 years. This relates to
accidents and claims on your own policy or any other policy, by you or the additional drivers noted on this policy. If the table is blank you
have confirmed that no motor accidents or claims, regardless of fault, have been had by you or any additional driver on your policy in the
last 4 years. Please notify us if any of the information is incorrect.
That makes no sense. An insurer sets out clearly in plain English the conditions under which you NCB is maintained. They then apply the conditions the policy holder was notified of and that's "sharp practice". Surely sharp practice would be if the didn't do what they said they'd do in the contract. Your post seems imply an expectation having your cake and eating it.Regardless of the wording. For me that's sharp practise.
Understandable, so then be aware of the consequences for you of reporting an accident.
That makes no sense. An insurer sets out clearly in plain English the conditions under which you NCB is maintained. They then apply the conditions the policy holder was notified of and that's "sharp practice". Surely sharp practice would be if the didn't do what they said they'd do in the contract. Your post seems imply an expectation having your cake and eating it.
Sorry, I don't understandWhere there is no damage or injury and their is no apparent or deliberate cause, or responsibility.
If the OP doesn't like the Ts & Cs, look elsewhere for insurance. If he thinks he was treated sharply or unfairly, talk to the FSO or whoever oversees insurance companies. I can't see the problem with listing conditions to the contract and abiding by them.
Just FYI there is no "small print" to motor insurance contracts anymore IME as a layman having read quite a few in my time and they are now written in plain understandable English and anyone is free to seek clarification on anything before or after signing up to a deal.
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