Motor insurance experts?

[Tefer]

I am on the exact same situation, my bike was knocked over in car park. I was paid out but every year i have to declare it even though no fault of mine.

Its even affecting other policies where i get named as a driver. My partners brother insured me on his wee van, he said adding me with no claims would be £30 extra, he then added my claim and it was £80 extra... Shocking if you ask me.