Question Author
Not sure exactly what is being said here. When someone damages my property, I make a claim from their insurers not from mine. I accre no claims bonus from my insurers. So how can a claim made from someone elses insurer even though I have to go through my own insurer to do it, justifiably affect my bonus. If someone comes into my home to do work, and they damage my property I claim from their insurance, not from mine. How is car insurance any different.