Always read the small print on your car insurance policy to see just what is and isn't covered.If you are unsure about anything ask! Idealy before you buy your next norwich union cheap lady car insurance policy, they are there to help you.
Making a claim will not automatically lose all your no claims bonus. Most insurers will relegate you only two years meaning if you had 5 years no claims then you would still have 3 years.
If you were buying a new car you wouldn't buy the first car you see. Car insurance is no different you can save hundreds of pounds by shopping around.