Yes with Budget Direct, any claim requires paying your excess. I believe that is the requirement of most insurance policies.
Most car insurance providers want to know of any accidents you have been in for the previous 5 years, at fault or not. It definately effects the premium you pay.
Pretty sure that is only with the cheap companies.Most of them offer cheaper premiums,but get you other ways.such as higher excesses and probably no such thing as no claim bonuses.You find their idea of market value for payouts is lower than the major Co,s