I made the mistake of notifying the house insurance company, telling them I was not claiming. For the next five years they loaded the premium.
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Just been caught with that! A truck wiped off a door mirror on the family Merc. Annoyingly the truck company notified their insurer in case of a claim so my insurer contacted me. I explained that the truck was at fault, I made no claim. Neither did the truck company. And my insurer has confirmed that. But my insurance near doubled.
And from past experience this increase will apply to all 3 cars ( inc the one in my wife's name) and also my motorbike.
