Fair enough. £40 did seem like a bit of an underestimate for a rear light cluster these days. At least it was a Ford, I'm sure it could have been worse.
As others have said, an insurer who does not increase your premium after a claim is a rare thing. After this happened to me some years ago with a top notch insurer, I haven't since bothered to insure my NCD. Which insurer, Escargot?
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