i'll give u a clear picture...step by step..
1) Take the car to your panel workshop
2) Adjuster will survey the damaged and estimate the cost to repair
3) Workshop will wait the approval form insurance co. and start repair whilst get the approval.
4) In the meantime, submit all the relevant documents such police report, driving liciense, copy of registration card, and POLICE OUTCOME REPORT together with duly completed CLAIM FORM to your Insurance Company.
If you do this way, u may not lose your NCB.
Hope you get clear picture and if you have any quiries, please proceed to the workshop.