Our car was damaged and no details were left - should we claim on our insurance?

While parked on the street, our car received damage to the rear light and bodywork but no details were left of the offending vehicle. Our insurance policy does not have no claims protection and the excess for is £250. We've got a quote to repair the car, which is £650. Would it be cheaper to not claim, so we could keep our no claims discount (currently 15 years) and avoid the insurance premium going up.

Asked on 25 September 2017 by Steven

Answered by Tim Kelly
I wouldn't claim through my insurer, I would pay it myself. Though you could try claiming via the Motor Insurer's Bureau (MIB) for untraced drivers: www.mib.org.uk/making-a-claim/claiming-against-an-.../
Similar questions
A school bus reversed into my sister's car while she was dropping off her grandchildren at school. She sounded her horn before the collision but the driver then drove off. While still in a state of shock,...
After 50 years of accident free motoring,I scraped my car. Now I'm in a dilemma. I have a policy with LV=, which has a No Claims Discount guarantee. Should I pay for the repair or claim on the insurance?...
My wife’s car was struck by a metal object which came from an open lorry going in the opposite direction. The damage was estimated at £1600. We contacted the police but there was no CCTV coverage. Our...

Value my car