Effect on motor insurance of third party incident

don9999

A few months ago, a neighbour's car drove into mine, causing some £600 (my estimate) of damage.
No 'person' was involved!

My car was parked on my driveway.
The neighbour (about 8 doors down the road) had parked his car on the road, but apparently left his hand-brake off.
With nobody around, his car had rolled backwards about 100metres, onto my drive and into the rear of my car.

No problem. We swapped details, and his insurance company paid for all repairs - providing me with a hire car for the three days during the repair.

Now....my insurance becomes due. Initially, I didn't mention the incident in my on-line application (through confused.com) - didn't really affect me, I wasn't even in the car, third party accepted fault and paid for all repairs. However, when the policy comes through, I see one item requiring a mention of 'any accident.....irrespective of blame'. So I thought I'd better ring and mention the incident, just for sake of completeness. Only to discover that the cost of my policy goes up!

But WHY?
'I' wasn't at fault. 'I' wasn't even in my car. My car wasn't even on the road!
Why does 'my' risk go up, because someone else had an accident (that coincidently involved rolling into my car?) If it had gone a couple of feet passed, the car would have rolled into a lamppost rather than my car! Would 'my' policy have been affected then?

I just don't follow the logic....

Is this normal?

Cheers,
Don

Quentin

Yes it's normal.