Last November my new car had its bumper dented by a reversing car. The driver drove off but my wife had witnessed it all and noted its registration. I immediately informed my insurance company giving them all details. A few hours later I spotted the car parked in an adjacent road. I left a note under the wipers. The driver subsequently came to see me and paid for a new bumper. I again contacted my insurance company and informed them. We also run a second car. On its insurance renewal I discovered that because of the incident its premium would be increased by £120 (this despite it being a different car altogether). They informed me that the incident "follows the driver". This seems very unfair - especially as I understand that no claims bonuses cannot be transferred to second cars.