Can't help you with this one, but, the next policy you take out, have "protected no-claims" with it.
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Can't help you with this one, but, the next policy you take out, have "protected no-claims" with it.
Not disagreeing that you can get better quotes by ringing up. Just saved £100/year on my contents and buildings from one phone call.
However there are 2 main elements to a car insurance quote. Your basic premium and then your no-claims. Your basic premium goes up if you've been involved in any form of insurance claim, even if it wasn't your fault, before they apply your no-claims discount.
Always worth ringing and clarifying that it was 'no fault' of yours but the OP's car is parked outside it sounds like, so there is a risk it could be hit again is how the insurers will see it unless he can say the car is now parked on a drive. Apparently this gets you a cheaper quote than leaving it in a garage as it seems people damage their cars in garages...