'The insurer is allowed to raise your price, but you can push back'
Simon Dicey, Which? Money expert, says...Unfortunately, as the accident happened just before your renewal, the insurer is allowed to factor this into the new premium.
This applies even though the incident wasn’t your fault, and you have a substantial no-claims discount (NCD).
Your NCD is unlikely to be affected by a no-fault claim but it’s ultimately just a percentage discount on the premium, which insurers can, and frequently do, increase.
Some insurers feel that even minor incidents and no-fault claims means that you are statistically more likely to submit a fault claim within the next year.
But that shouldn’t stop you from pushing back.
You made a formal complaint and your insurer refunded half the increase to you as a gesture of goodwill.
Other readers who have accepted a renewal offer but not yet renewed their insurance, and have to claim, could get quotes from other providers on comparison sites.
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source https://www.which.co.uk/news/article/i-claimed-on-my-car-insurance-while-renewing-it-and-the-price-has-risen-again-aoqQt5p2Dk8a