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

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

Should depend on who pays for the repair.

Her insurance is paying, in their words "so you won't need to make a
claim"

Clearcut in your case, as you know who caused the damage, but if you
didn't, and claimed off your own insurance, assuming you have a fully
comprehensive policy, it could affect your premium, which might be the
point that Adrian is making.

It isn't. Mine was just as clear-cut as Carl's.

My NCB is untouched. It's down as not-at-fault. BUT - it's a claim
involving my car, which affects my risk. Apparently.