We have had some damage to our boundary wall and front garden caused by a van driver who skidded on black and lost control of the vehicle. The driver's insurance should be responsible for the repairs and we thought we could claim against the driver's insurance. Our Home Insurance provider tells us that we have to make the claim through our Home Insurance which will then show as a claim on our policy next year. Is this fair? We do not want a claim showing on our policy which will then, most likely, increase our premium. Is there a way around this? Thank you in anticipation of any replies.