Last December, my son's neighbour reversed into my car, which was parked across the road from him. My car was repaired by the neighbour's insurer after he admitted full responsibility, and I approached and dealt with them directly. However, now I've come to renew my car insurance, I've discovered I'm being penalised by as much as 40 per cent. Other insurers are no longer prepared to insure me on the basis that I'm now a bigger risk, yet my son had been parking in the same place for nearly three years without incident. The neighbour's insurer says that they are not liable for my increased premiums, but the increased premium seem to me to be a direct expense as a result of the accident - so his insurer should be responsible for reimbursing me. Please advise.