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“In the event of a motor vehicle accident, provided the insured provides complete and absolute proof that the driver was totally free of negligence without contribution to the cause of the accident, then the application of the no-claim bonus shall not be affected and the first amount payable (the excess) shall not be payable by the insured.”This gets somewhat tricky. In many cases, you will need to get a sworn statement from the person who caused the accident. If they refuse, you will need a written affidavit from a third party, who was not a passenger in either car, stating that you were not responsible.