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Pretty much this. You may as well claim because they are going to hike your premiums next time regardless.
Similar to my rear-ender last year. Even though I used MCAMS/Bond Turner to get my payout (not my insurer), the insurance I get now is more than double regardless of not being at fault.
pdlouche-
Your insurance may not have been involved but insurance was involved.
Insurance logic is that you should be left in the same situation as before, hence for a non fault accident they should pay out for increased premiums. The logic of no betterment is when changing consumable parts such as tyres and being charged for wear.
lynx
I think you are still obliged to report it to the insurance company, who may or may not stiff you next time . When my third party only kwaker was stolen i kept my no claims but was refused insurance when i went to buy a 250 yam scooter that was top of the most stolen list.