Car Insurance

albionrovers · 23 April 2012 at 4:52PM

Question(s) for clever people.

My car was hit'n'run outside my house 3 weeks ago. My estate is a dead-end so I jumped in my car looking for potential damage on any black car I could see, as a match for the paint scraped on my car.
I found a Corsa with a missing wing mirror, same colour as the damage to mine plus my wing mirror was smashed to bits.
Anyway - told the insurance and the police, albeit I have no proof whatsoever. My car is now fixed but no sign of a return phone call from insurance or police. I'm still down £150 excess but my policy renewal just came in and it's only gone up by £8. I would've expected a bigger hike if the other car was not to blame? Maybe the hike will be next year since renewal was only 3 weeks after the incident?

Thoughts? How does this work? Thx.

Edit: Couldn't knock on a door for the Corsa cos it's in a street with no driveways and random parking.

InsideInsurance · 23 April 2012 at 5:50PM

If it was only 3 weeks before then the renewal quote will almost certainly have been generated before the incident hence you having not seen any real movement in premiums.