So speculating.
Quote from the This is Money article you link......."Meanwhile Direct Line said that it wouldn’t raise premiums the first time but if the driver continued to make non-fault claims it could start to factor it in as it could indicate something about their driving habits."
Don't get me wrong, I cant stand insurance companies with a passion and would like better regulation of the insurance industry but I do wish people would stop and check there facts before spreading mis-information on what should be a useful informative forum, you being a site moderator should be even more careful .
I think if you re-read my comment you will see that it is not stated as fact. I carefully word my responses and if there is any doubt in me being unsure of my response, as in this case, it should be clear from the wording that a statement of fact is not being made. The use of the word "may" is intended to make people cast doubt that the statement from DL should be taken as the whole story without checking for themselves.
That only mentions NCB. It conveniently omits mentioning how future risk may be assessed and its effect on future premiums.
Now, as it happens, I did a bit of fact checking for myself. I asked DL "will a no fault claim affect my premium" and as well as being directed to information that you posted, it finished off with "This is usually reported on your policy as a fault claim on renewal" - then goes on the reiterate the NCB protection - "However with out Fair Claims Commitment, your NCD will not be affected"
I standby my comment that the DL commitment
may not be the end all. It is also fully compatible with your additional quote from This Is Money article that states that it only applies to the first claim.
As another member recently posted, a claim can have an effect on renewal premium irrespective of any NCD. I also did a couple of identical quotes, the only difference being an incident of "Malicious Damage/Vandalism" was added. If the act was declared, but no claim was made, there was no change in premium irrespective of 1 or 2 incidents, 6 months apart. However if one of these reported resulted in a claim being made, the premium was considerably increased from £448 to £632. We do have direct experience of this with Direct Line when a no fault claim by swmbo continues to weight her premiums even past 5 years. Its a car park knock that keeps on giving.
What this does not prove is whether any premium increase would have been taken into account on renewal, but DL does state above that it is usually reported on policy at renewal. Even if DL didn't raise the premium, it would negatively impact any quote made with a different company potentially locking you into DL.
As for be being a moderator, unless stated clearly in my posts as a moderator comment, the information contained in my posts carries exactly the same weight as any other member of this forum and, as with any post, need to be taken at face value within the context in which it was posted and checked by an individual that may be acting upon the information. This also goes with your original post that may also be interpreted as a factual statement.
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