I've tried all major comparison websites already and it's massive difference on the price . I'm so disappointed. Made few calls and asked why is like that and all of them said I'm in higher risk now.
I feel your pain. It was almost five years ago that my parked, unattended car was struck by a passing coach. No dramas, the driver stopped and had just made an error, and gave all details etc. I played by the rules and informed my own company, but then proceeded to deal directly with the coaches own insurance company to get the repairs sorted out to my satisfaction.
Since then I have been cursed with getting quotes, some companies are OK, but others are not. As I have bikes and cars and my wife has bikes and cars and I am named on her policies, it is a lot of hassle each year at each renewal time. I have done comparison quotes, both with and without divulging the claim, so are extortionate, some are minimal, all are an increase, except this year when going through the wife's bike renewal over the phone they were checking the facts back to me, when I mentioned it was a) on a car and b) a stationary parked car, loading was removed. I have previously explained all this but this was the first time it was wiped.
But thinking about this with hindsight, I would if these circumstances occurred again now; I would not inform my own insurance company; I would deal directly with the third partie's company (as their was an obvious and immediate admission of liability; The claim would be being made by their insured, the coach company, and they would pay for it against a policy issued to them.
Given the grief it has caused I would take my chances that this would never be linked either to me and my policy record. It would save me hours and hours of online searching for fair premium prices. I'm sure that will will have experts to tell me I will be breaking some policy detail or somehow being unfair to the insurance company, but after suffering all this crap - sorry I don't care.
The good news is that it will be over five years ago next month and I can then forget it