Good day Kona,
Thanks for your kind response to my query.
I had a look through my car insurers policy document which states that I must advise them, before any renewal of my insurance, of any accident 'Regardless of blame'
I have done this. They were very understanding and recorded the incident details. They have confirmed that as I am just reporting the accident and am not making a claim, I would not be liable for any loss of no-claims or surcharge. If I was not satisfied with the outcome of the repairs etc, their legal department would then act on my behalf. They provided a reference number for any future communication with them on this incident.
I will obviously advise the Garage's insurance assessor that I have contacted my insurer.
Hopefully it will now proceed OK.
Regards,
Tamtoot