Our motorhome knocked wing mirrors with a much larger motorhome in France. We filled in the Constat Amiable D'Accident Automobile (which we had a copy of in English) and agreed as well as we could with the language barrier that it was knock for knock or 50-50. We have replaced our mirror at a cost much less than the insurance excess. However, our insurance company has now been in touch saying that we have to make a claim and that the costs are put together and split between the insurance companies. We would prefer not to make a claim as no doubt our premiums will go up. We thought in the case of a knock for knock or 50-50 each insurer paid it’s own customer. Do we have to claim?