During the past year my wife, a named driver on two policies, suffered 2 no fault incidents. In both incidents the other drivers paid for the damage. My wife out of courtesy informed her insurance company, stating that she would not be making a claim. One renewal price has now been increased by 10% because of these 'incidents' and no doubt the other one will also. Is one obliged to inform the insurance company of such incidents? And if so, presumably one should add on the increase in premiums to the bill given to the 'at fault ' driver.