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lynx
So are you claiming through your insurance?
We had someone go into the back of our car 3 years ago at a traffic light and caused maybe £1k of damages. They admitted fault, we didn't lose our no claims and it was covered by their insurance.
Our premium still rose 20% (and will do until 5 years has passed) because of it...
Hate to think what will happen if you're claiming against your insurance for a full write off.