In September last year I was notified by my insurer that I was involved in an "incident" on the Belgian motorway at a date & time that I was indeed on that motorway. I did not have any accident nor incident & my insurer is unable to get a Police report on this incident 7 months later. Meanwhile my file with insurers is marked "claim outstanding" and my premiums are uplifted as a result - It is no help to be told it will be refunded when it is all sorted out! The insurer - Equity Red Star - blame it all on Belgian Police inefficiency! Any advice or similar happening?