Exactly and as the 1.3 Valencia engines are so cheap to source most Ka's will only be in scrap yards due to front end collisions.
If its just cosmetic either claim on the insurance or leave it. My dad had a bump at the rear which smashed his rear bumper and dented the tailgate, a bit of duck tape and its passed every single MOT since.
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and for every front end smash there is a rear end shunt? Could be just as many cars with their rear ends mangled as opposed to the fronts. I see what you are getting at though.
Personally I would leave it but the paint is cracked so it will almost certainly start to rust - that and the fact that it is only just 3 years old so still pretty tidy bar the dent.
Either way looks like mum is going to be out of pocket to the tune of at least £150. Ah well could have been much worse.
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Just be aware if you don't have no claims protection your premium may go up.
You could sand the paint down, prime and respray it, you may not get it to look perfect but it will stop the rust.
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