So, my car is a write off after an accident involving no other cars, and I'm being paid out by my insurer, Co-Op. Does anyone know if this will completely void all of my NCD, which was (idiotically) unprotected, or just reduce it down? I cannot seem to find anything that answers the question in the policy documents or the FAQ's. Something was mentioned on the phone the other day about it but I can't actually remember what they said. Will ring them again tomorrow but if anyone has any clue now it'd be appreciated!