We were involved in a hit and run and informed budget even though the cost to repair was less than the excess so we had no intention to claim. This is now classed as a accident with an unknown status for upto 5 years and the maximum claims/accidents on the policy is 3 so now my spouse cannot be insured. It's like a triple whammy, the cost personally to repair my van, the additional insruance cost for the next 5 years whilst this accident is on my record and now my spouse not able to be on the policy. The insurance has now been cancelled several times, due to incorrect information on Budgets system. Have needed to ring every time at our expense to explain again what has happened to get it reinstated then they cancel again. Also they have absolutely no understanding of the Northern Ireland driving license DVA being different from the mainland.