The insurance companies will battle it out and it should not affect your renewal price.
Everything affects your renewal, if they can find the slightest excuse to screw some more money out of you, they will.
I had an incident earlier this year where someone ran into the back of my Smart Car in a Crafter. Two coloured guys in the van jumped out and started getting aggressive and I was starting to feel threatened. So I took a photo of the van's registration number and left the scene thinking that I'd report it when I got home.
When I got home I logged into my insurance account online only to find that the photo id taken was out of focus and the Crafters registration was illegible, but I still completed the report and sent it.
The next morning I went outside to have a good look at the damage, and realising that there was little hope of identifying the Crafter without the registration number, and that all the panels on the Smart Car are plastic and easily replaced, I decided to contact my insurance company and cancel the claim.
I bought some replacement panels from ebay and fixed it myself and thought nothing more of it. Fast forward a few months later, I decided to change the Smart Car and bought a Golf GTI. I contacted the insurance to change my car details and they said that they wouldn't be able to insure me because of the accident, even though I'd cancelled the claim and they hadn't paid anyone anything.
Just to add, this was one of the big companies, not one of the small ones that you've never heard of.
bloody dishonest people. We got his reg off people who watched it happen, but think I'll just have to sort it myself as I don't want to get shafted by the insurance
