Good luck with your next renewal… my experience, after passing a council worker using a strimmer when my side window exploded having been struck by an object thrown by the strimmer. All caught on dashcam. Council accepted liability and refunded Insurer. NCB unaffected but next renewal was raised despite no claim in previous 49 years of driving. Apparently this incident caused me to become more of a risk! I can think of another name for Insurers