In January last year, I was stationary in my wife's car (which is fully comprehensively insured and on which I am a named driver) when someone drove into the back of me. We exchanged insurance details but subsequently the driver was found to be uninsured. Subsequently neither the insurance company nor the police have been able to trace him. My wife's car was repaired under her insurance policy. Now I am coming to reinsure both our cars I have a dilemma. I have to write on the forms that I was in an accident (non-fault but resulted in a payout) and she has to say she has made a claim. It seems like we are both being punished for one claim and as such seems unfair. Is this right? Do we just have to mention the accident/claim on one of our records?