Originally Posted by xenon
It will still effect your premium nevertheless. It's not fair, but there you go. I've been through this recently and posted on here. My wife's car was unoccupied too and her insurance recorded it as a "fully settled, no fault claim". But her premium still went up.
If it goes up then so be it, there is nothing I can do. My premium went up £400 this year and I have 15 years NCD. My wife's premium went up 100% and none of her details had changes, she had merely collected another years NCD. This experience has shown me one of the reasons why this has happened to almost everyone in the country.
My car was damaged and had to be repaired. The culprit had no interest (understandably) in settling outside of the insurance process.