I saw you mention to someone else that it may be possible to claim for future increases in premiums due to another driver's error. Its been my intention to keep all potentially insurable events a secret from my insurers on the basis that any payout this year will be countered in future by increases in my premiums even though my No Claims Bonus might appear intact. A lady recently reversed into my car and happily put forward that, as she has no claims bonus protection, she could easily make the claim on my behalf. I declined on the basis I never wanted my insurer to know I've had any sort of accident - fault or no fault. The minor damage was not worth to me the future premium increases. Should I have made that claim?