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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.
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Ian
Current: 2021 G21 330i M-Sport
Previous: 2018 A6 Avant S-Line MMI+, 2014 F31 320d M-Sport, 2013 F10 520d M-Sport, 2011 F10 530d M-Sport, 2008 320i M-Sport Coupe, 2002 325i, 2001 318i valvetronic, 1998 318i, 1996 525i, 1990 Porsche 944S2
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