Many years ago my parked car was crashed into while i was in a shop.
It so happened that the insured was with the same company as me.
When I rang to inform, as per t&c's, I was told it had already been recorded against my policy as other person had reported accident.
Was told ncd would not change but the premium would be assessed at renewal before deducting ncd.
From memory the premium did go up so I phoned and argued as not actually in the car and nonfault plus they had recoved full cost, which they couldn't deny as same company, premium was recalculated and I actually paid less than the previous year!