If this works out as it's currently heading to, then I won't have a declarable claim to put in my renewal surely. Obviously, Axa will know. If they want to use it as an excuse to put up my premium, I'll go elsewhere.
Do I need to declare a non-fault accident?
Yes. You need to declare all accidents that you’re involved in, regardless of who or what was at fault.
Almost every insurance company will have a clause in their policy requiring you to declare any incidents you’ve been involved in while driving in the past five years. If you don’t report something and your insurance provider finds out about it later, they could consider this 'non-disclosure', which could invalidate your policy.
They told me they recover the costs from the other parts and my insurance won't be affected. I have no reason to doubt them.
Does declaring a non-fault claim affect my insurance?
Yes, unfortunately, it will be recorded on your claims history. In many cases, your premiums will go up after you’ve declared a non-fault claim. This is because your insurance provider will view you as a higher risk in future, even if it wasn’t your fault.