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Claiming on insurance/ paying excess if you damage another car?
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Strange. I was under the impression if you were not at fault you didn't deal with your insurance company at all. You simply claimed through the insurance company of the other party?
I did that and it didn't affect my premium at all. Unfortunately somewhere along the line it got lost in translation and a 'no-fault' claim got translated to a 'fault' claim, so Direct Line are now asking me to provide proof it was a no fault claim 3 years ago
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