yes they do
they just dont tell you
You need to ask why the premium is slightly higher on the next renewal
https://www.uswitch.com/car-insuran...f you do lose some,around three to five years
If you phone up that someone has tapped you on the rear but there's no damage and you dont claim. It will still go up if you stay with the same insurer.(Swinton) as you are deemed to be at more of a risk.
You have to declare all claims whether you are to blame or not.
Just if you insurance is around £100 you notice a £10 hike. If your insurance is £250 Your unlikely to notice any hike or absorbed in the extra £150 they already make out of you. Good chance the broker will still be using the same insurer usually Axa
You need to try with and without no fault claims on some comparison sites.
Also worth playing around with the job titles. Same job can come under several names with different premium.
If you still dont think no blame doesn't make a difference for serval years. I give up.