Last July, just before my car insurance came up for renewal, I was side-swiped on a dual carriageway by a motorist trying to pull out to overtake parked cars without looking. There were no witnesses. The damage to my 9-year-old BMW 3-series car was cosmetic (very slight dent on the rear wheel arch) and I didn't bother to claim or have the dent repaired. To my surprise, the other motorist made a claim, but when I told my insurers that I would only claim if they conceded the other claim, they persuaded the other insurers to agree for each insurer to settle his own claim. This meant that effectively the claim against me from the other motorist was withdrawn and my insurers had no claim to settle, but they still charged me £80 more on my premium over the sum which they had quoted a few days prior to the renewal even though I have a protected maximum no-claims bonus. When my policy comes up for renewal this year, do I have to declare this claim even though it was withdrawn? Your advice would be a great help.