>> I just rang my insurers (Co-op) and they said that because there would be no
>> party from which they could recover the cost of the claim, then it would be
>> classed as a fault claim, i.e. it would have been my fault.
>>
>> I just hope I
>> never have a tree fall on my car and I need to test out my
>> insurance!
>>
I reckon simply enquiring about it has probably flagged you up as risky on their computer system.
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