Firstly, bad luck on destroying the 999.
Ref insurance... You should still have your full 5 years ncb, but the base premium will be calculated in consideration of the claims(s) made, then your discount will be applied.
So for example, without any claims your base premium might be £500. Minus, say, 50% ncb = £250 bottom line.
With consideration of your claim, the base premium rises to £1000. Minus 50% ncb = £500 to pay.
Clear as a sump of old engine oil!
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