I am just renewing my car insurance and would ask for advice please.
A roof tile fell on my bonnet during the high winds a few months ago and i contacted my insurer to see if it would be viable to make a claim and repair the minimal damage.
With what I was quoted, the garage said get a replacement bonnet, I decided not to proceed and no claim was made.
On trying to renew my insurance I was quoted a price that I accepted but the company has just come back to me to say they want another £60 as I had an undeclared claim they weren't aware of, this being bonnet damage that I did not claim against.
With me making no claim why should my premium be affected by this and do all insurers work this way?
Thank you for any advice that you may be able to offer.