Changes
→Rationale
However, knock-for-knock agreements between insurers have been criticised as unfair on the party ''not'' responsible for an accident. If, for the sake of administrative ease, an insurer pays out to repair damage done to its policy-holder's own car instead of pursuing the party responsible for the accident for all relevant costs, an effective claim is recorded against that policy-holder's insurance record. In this way, knock-for-knock agreements can result in policy-holders finding unexpectedly, when they come to renew their insurance, that they face higher premiums regardless of responsibility for an accident they were involved in.
Regardless of the agreement between the insurers, once the client makes a claim or the insurer pays the client from his/her policy , the insurer has to reinstate the client's No Claim Discount (NCD) ; hence, the claim won't and should not affect the client 's policy , especially if that client was not at fault.{{clarify|date=August 2016}}
==Other contexts==
