Hi, I’m looking for some advice here for my niece. She was visiting me recently and parked her car outside my house during the visit one of my neighbours reversed into her car. The car was parked at the curb, unoccupied and my neighbour admitted it was his fault. Now my niece has had her NCD reduced and she is having difficulty getting car insurance. She is 32 and has never had any convictions and no previous claims.