on the topic of crashing and insurance. when dealing with the claim on my old hyundai, i was informed by my insurance company (elephant), that i should decline all offers and not correspond at all with the third parties insurers (tesco). after using my better judgement, i spoke with tesco. they offered to completely handle my claim, coutesy car etc...etc. my insurers told me to stay well away and let them deal with it; sent car in for repair, signed paperwork....done and dusted. after realising the hyundai was shite; i flogged it and bought a supra. called up to get quote for it and....it showed up on my insurance history that i had made two claims within the last year. elephant made 2 claims in my name, then reclaimed to money from tesco (if that makes sense), leaving me with all of my ncb in tact but with history of two claims amounting to £1600. the result...about an extra £300 on my premium