Sorry to hear of your unfortunate incident
. As far as insurance goes, you have to consider the "at-fault" accident that will be declared, as well as the NCB loss. So your renewal will probably be slightly worse than it would have been if you simply hadn't earned any NCB but had no accidents or claims. Hopefully it won't be too bad though, I have no experience of it so can't really say.
I hate the centre headrest, mine is always in the boot except on the rare occassions I have 3 passengers in the rear. It seriously restricts your general rear vision, not just for reversing. I like to see what's going on around me at all times when driving, and something like that blocking the view just gets on my nerves. For similar reasons I don't allow anyone to put anything on the parcel shelf, it reflects on the window. Yes I am pedantic about stuff like that
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I'm a little surprised the guy in the Passat didn't beep the horn if he saw you reverse towards him. It's not his responsibility to look out for others if he's stationary, so maybe he wasn't looking. I've been in a similar situation where I was stopped in a car park and someone started reversing out of a space towards me -- I had a car behind me so nowhere to go, so a quick beep on the horn alerted the guy to my presence and he immediately stopped having obviously not seen me beforehand. It's what the horn is there for, rather than just showing your anger towards people or gesturing to mates