just how screwed am i?

[Asa-James]

three weeks off five years no claims, and protecting it, i shunt the car :(

my fault, pulled out of a junction while half asleep into the side of a passat

seeing as my renewal is due in three weeks, i'm guessing the claim wont be settled by then, so i'll pay my quoted renewal price at first, but when will the adjustment kick in?

and will it make a diference that the passat is probably a write off? (drivers door, all side airbags and probably an airbag ecu as well, i'm sure they have to be replaced after a crash)

no claims from my side as the cav has but a scratch on the bumper

[Jack]

Generally, claims are considered against you til they're resolved. Not an ideal time to have a prang lol Any additional cost on your insurance premium should be refunded once the claim is sorted out though.

Bear in mind not all companies these days honour protected no claims, and may chop out a few years worth.

[Stuart]

Even if its protected expect to lose this years one :( I did BOOOO

Yes you pay a 'fault' claim policy which is then adjusted once your insurance company have settled and apportioned the blame.

[blue_peg_16v]

If it's not protected you will loose the year your in plus 2 so you will be back to 2 years mate