I recently made and insurance claim following an accident where I was stationery and the third party was travelling at relatively low speed. I was judged to have been at fault which is an everyday motoring hazard and the way things go sometimes. What really shocked me was not the increase in my insurance premium and the loss of 2 years NCB but the final amount of over £11000 paid out by my insurers in settlement of all party’s costs. It could not possibly have cost this amount in repairs. Am I able to register any objection or ask to see a breakdown of these costs?