Car park ding, insurance question

[FiF]

Car insurance question. Quite some time back now managed to make minor contact with another vehicle in a car park. My fault, really bloody annoyed with myself as this was the only damage ever done to any vehicle in my driving career , owner or 3rd party vehicles, at least outside of motorsport related stuff. Basically trying to fit a large vehicle through a clearly marginal space, to save what? Effing idiot. No damage to mine, but some scuffs and transfer of mud onto bumper of the other, a cheap 16 Yr old very shiny hatchback but in really really good nick, maybe worth 1k.

Other driver not present, go into supermarket, get call put out, nice lady rocks up, I fess up, we go out, show her, friendly conversation, apologise profusely, get thanks for being honest, her suggestion we shouldn't claim but sort it out with cash.

My response was I am contractually obliged to report this so will be doing so, or words to that effect. Reported, no damage my side, but assigned as an at fault incident, fair enough. Expected to get reamed for other vehicle written off, hire car, what have you. Get text couple days after from her saying they've reported it to their insurance.

Now months later insurance co now informed me case closed as no claim has been made by any party, no effect on ncd, though that depends on status in future in case something changes, again understand that, fair enough. (Clearly they'll up premium anyway, my thoughts) But that in future when dealing with insurance companies will have to mention it, but refer to it as a "no fault incident."

Maybe a result, maybe the damage was just mud which wiped off, pretty certain not the case. Somewhat confused how something I admit was my fault can be defined as 'no fault'.