Over the weekend I received the quotation from by broker for the coming years motor insurance. This was

Haven't read the whole of your post, however I've just re-newed my insurance and Chriss Knott undercut my current insurers by £140.00 and were £31.00 cheaper than my best other quote.

^ love posts like that...

Nick - get onto your insurers ASAP to make sure it doesn't affect you

Glad I could help.

Thought about paying the £350 back to the insurer to reinstate your no claims?

Although on a similar vein, No I don't love them.

Trouble is it is not just

A non-fault claim is generally classed as one that your insurer has made a full recovery from a third party for. A theft claim is unlikely to be your fault, but equally gets regarded as a fault claim as it affects your NCD. So likewise, tree damage will get classed as a fault claim.