I had a non-fault claim in 2017. The other guy’s insurance paid up in full - it was only a scrape in a car park - and it cost my insurers precisely nothing. Nevertheless when renewal time came around and I informed my insurers, my premium was increased on that account. By some perverse logic, if a careless driver scrapes your car causing damage, you are a more accident prone driver. Sorry - would you run that by me again please.

I suppose it all depends upon how much (value-wise) damage has been done to the car. A neighbour from the next-door flat block was moving out and let a broom fall down as he was loading it into his hired van, which hit and broke my car's rear fog light, so he kindly left me a not with his contact details and even phoned my dealer and offered to stump up the repair - about £150.

I suspect if it had damaged both light clusters (fog light plus main RH indicator/brake light cluster) the price would've been too high for his pocket and may well have gone through some insurance policy. I'm glad it wasn't as I was back up and running within a week or so, including costs paid back. Quite fortunate for once.