No, you do not lose your accumulated no-claims bonus if an accident is formally determined to be entirely not your fault and your insurance company successfully recovers 100 percent of the repair costs from the at-fault third party (or their insurer). Under standard motor insurance rules, non-fault claims do not penalize your discount tier. However, if the third party is uninsured, untraceable, or liability is contested, your insurer may temporarily freeze or step back your bonus until recovery is finalized, after which your full discount status is typically reinstated.
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