Why your no-claims bonus should survive a non-fault claim
Your no-claims discount is worth a lot of money, and it's surprisingly easy to lose it over something that was never your fault.
On a non-fault claim the costs are recovered from the other driver's insurer. Your own policy isn't touched, so there's no excess to find and no dent in your discount.
Where people trip up is claiming on their own policy first because it feels quicker, then trying to unpick it afterwards. You can usually get the discount reinstated, but it's slower and less certain than never claiming at all.
If liability is genuinely in dispute, that's a different conversation. Have it early, rather than after somebody else has made the decision for you.