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How to make an ‘own damage’ claim against his own insurer without having to lose his no claim-discount ( NCD ) if his vehicle was involved in an accident with a third party vehicle and he is not at fault?

如何向自己的保险公司提出损害索赔而受保人的无索赔折扣权利(NCD)将不会被没收(若不是受保人或其授权司机的过失)

1KFK was revised in June 2001 (Supplemental Agreement-Revised Knock-For-Knock Agreement ) .This provides that in the event of an accident involving the insured and a third party vehicle , the insured, under the comprehensive insurance policy ,has an option to make a claim for damage to his vehicle against his own insurer ( if the insured or his/her  authorized driver is not at fault ) instead of making a third party claim against the insurer of the third party who was to blame for the accident  . Under such cases , the insured ‘s No-Claim-Discount entitlement will not be forfeited.
*Subject to main provisions of the agreement

以撞还撞协议于2001年6月修订（补充协议 – 以撞还撞协议修订版）。此补充协议规定，当发生涉及受保和第三者车辆的意外时，1号综合保单的受保人可选择向本身承保人（若不是受保人或其授权司机的过失）要求赔偿其车辆的损失，而不是向肇祸的第三者之承保人提出第三者索赔。对于这类索赔，受保人的无索赔折扣(NCD)将不会被取消。
*须符合此协议的主要条款.