My friend has been unlucky enough to have had 3 claims in the past 2 years, 2 non-fault and one still open (wasn’t their fault but think it will end up settled 50/50 as insurers do). Their protected NCD not yet affected unless they have another claim. No dodgy activity, or injuries or fraud or anything bad suspected. However their insurer Hastings has sent them a letter saying they won’t be offering a renewal. Does this count as refused insurance ? obviously they will struggle to get a decent price anywhere else if they have to declare it as so. It is so unfair that they have not offered any renewal whatsoever when they were non-fault claims.