If you claim your premium will definately go up and you will lose some or all NCD, unless you have a protected policy in which case you will use up a 'life' but will stillse increased premium...if you fix this yourself any increase in premium will be small IMO.

All depends on how bad the damage is, is it driveable for a few weeks whilst you find all the used parts you need to fix it, if so then a cheap repair is on the cards.

First thing i would do is get a couple of estimates, and this is the time to find that little one man and his dog bodyshop who will be happy to fit a used wing/bonnet/bumpers to cut the costs down for you, and do the other little touch ins that may be needed whilst its there...you probably won't get a courtesy car, if you do it'll be an old banger he keeps for such things which you'll have to get your own insurer to cover...this would be my preferred route in this case from the sounds of it.

When you know the true cost of doing it as cheaply as possible then you can judge whether its worth not claiming.

I've got about a £300 excess, my fag packet figure of fixing anything that should happen myself is £1000ish total cost.

Edited by gordonbennet on 09/12/2013 at 11:42

Depends on how much NCD you will lose and how much the claim is for in relation to your excess.

As you say, your premium will go up anyway.

Damned if you do and damned if you don't.

You reported it to the police, which is good, but did you get a registration number?

Edited by brum on 09/12/2013 at 11:43