"Miike G" gurgled happily, sounding much
like they were saying:

But hey, they called me and admitted liability and arranged a repair.
so it isn't me or NCD that is suffering.

Your premium will still suffer, though.

I doubt it. IME 'no fault' accidents, paid for by 3rd parties insurance
has no affect on ones premium.

I wish my experience agreed... Over 5yrs, it's debatable whether it'd
have been cheaper for me to pay to do it as a cash job myself.

Being hit whilst parked costs me more a year than 2xFPNs.

Should depend on who pays for the repair.

In my case, the other driver's insurance. No arguments from them.