I recently had to insure a new car and was told that due to my having filed a claim in the previous 12 months my insurance premium would be £80-100 higher than if I had not made a claim. I understand that statistics show that no-fault claimers are more likely to have an at-fault claim when the accident that has happened occurred on the road and with them behind the wheel, but how can it be fair that I am going to be hundreds of pounds worse off over time as a result of someone bumping my car when it was correctly parked in a car park and I was not in the car at the time? Is there an insurer out there who understands this and treats no-fault claims depending upon the circumstance?