A guy drove into the back of my old trusty Volkswagen while parked and unattended outside of my house. The amount of damage has been enough to be declared a write-off. The driver wishes to pay for the cost of the vehicle and not go through his insurance in order to protect his NCB. I don't mind doing this but having contacted my insurance company already, I now know this will impact my renewal price next year. I have two cars and am a named driver on two others, so I assume this could potentially affect all of the policies but the insurance company cannot say by how much until renewal. If I claim through the insurance I understand I can claim for these increases, but obviously if I take a payment from the driver this won't be possible. I cannot see it being easy to calculate this extra charge each year. I have tried online comparison sites and seen an increase between zero and £24 on one vehicle when a no fault claim is included or excluded - so could potentially be £100 per year for three years.