About 6 years ago I turned into the farm I use for storage. An artic was parked opposite being loaded, at first I waited up the road and walked down and told the driver I was in no hurry. He volunteered to move a bit, and we both thought there was enough room. On turning in the rear of the van swung out, as they do, the driver, in his cab, had retracted his mirror, nevertheless the van pushed against the mirror. Very little damage to the van or the mirror. But the mirror pushed against the drivers window which exploded.
I admitted fault and we shared insurance details. I reserved the right to pay cash if that worked out best.
As it happened I was insured with LV. My insurance finished in about 1 week and I had already agreed the following years premium. I reported the incident. LV said if the other vehicle was stationary, then it was clearly my fault. They had to adjust my premium “as though I had made the claim”. They promised to repay the difference if the claim did not go through in 6 months. The lorry company did not make a claim. LV paid me back without prompting.
So, LV at least, do not make a charge on an accident if no claim is made.
However, I have heard that some companies do. They excuse this by saying that you put the car into a ‘risk’ area.
John