late January last I was asked by my car insurance company about an alleged accident on a garage forecourt over 300 miles from where I live, at the time of the accident I was visiting my home town, 15 miles from where I live and driving down what I thought was a 40 mph road, not realising that it had been changed to 30 mph where I received my first speeding ticket in 44 years, I asked the police for the photo which they duly sent, I sent a copy of this to my insurance company to prove it wasn't me or my car in the accident, they accepted this. On receiving the renewal notice I noticed it said on there, '11th January 2011 - accident - fault', the premium had gone up from just over £200 to £800, I contacted them and they admitted I wasn't at fault but they could not remove the offending item, this was also the reason for the big increase in cost. After many phone calls to remove this item, without success, I contacted the ombudsman who was very helpful, giving me a name to contact, they also contacted him. I finally have the thing removed not only from this company’s details but also the national database where they all go on. They also admitted that they had viewed CCTV which shows that the registration number was slightly different from mine and the car was a different make although this was never pointed out to me at the time. Luckily my new insurance company were very helpful and understanding when I explained everything to them. I recommend everybody to check their renewal policy very carefully and although it cost me £60 for my speeding ticket it help prove I wasn’t where they claimed I was I believe this was £60 well spent.