In July of 2013 a fraudulent car insurance claim was made against

In July of 2013 a fraudulent car insurance claim was made against me by a neighbour, stating that I had been in a collision with her parked car, occurring on June 21st 2013. A representative from my neighbour's insurance company (Covea), subsequently came out to inspect both the damage on my neighbour's car and the pre-existing damage on my car. I later contacted Covea, whereby it was confirmed to me that the damage reports where incompatible. I was therefore shocked to discover when trying to take out a new insurance policy in September 2013 that the claim was still held as a fault claim against my name despite evidence to the contrary and that my premium would go up by £200. Covea stated that they would not drop the claim due to the fact that this neighbour had claimed to have a witness to the alleged incident despite not producing one 3 months after making the insurance claim. Shortly after I discovered that another neighbour had been harassed into providing a false witness statement. 10 months on this claim is still held against me on file despite the fact that there was no pay out made and no evidence to support it. I cannot insure my car as not willing to pay extra premium when I have not done anything wrong and am utterly perplexed how an unproven claim can be held against a person with no corroborating evidence and would like to know whether my neighbour’s insurance company or my previous insurance company (I had legal protection at time of the alleged incident) are liable to reimburse me for the extra cost of taking out a new policy as my no claims discount has been slashed from 5yrs to 2yrs whilst the official outcome is still pending.