My parked vehicle was hit and my insurance company successfully reclaimed the full amount from the third party insurer. Insurance renewal quote from current insurer was double last years! I kid you not, was paying £645 last year and now its £1276! However, if I shop online I can get it down to £762 if I don't mention the accident. As soon as I do, its increases to £883 (policy was protected and I have 15 years no-claims) Why the increase if: 1) its not my fault 2) and all costs were fully recovered from third-party Also, if my insurance cost goes up, shouldn't I be allowed to recover these from the third-party?