Damage opinions… insurance job?

[carreauchompeur]

Opinions please…

2019 Golf 1.0 (yes, yes, I know)
Partner hit a ninja piece of debris on the motorway and thankfully got across to hard shoulder unscathed. Initially we thought it was just alloy and tyre but it seems to have put a gouge in the sill too… finger for scale. It’s quite deep.

VW quoted £900 for a new alloy so we sourced one from EBay for much, much less…however having now seen the sill damage are wondering about putting a claim in. Zero excess helps.

Would the insurance just fill and paint this?

[carreauchompeur]

Thanks all. We’ve got a decent local body shop so he will whip it down there for an informal opinion.

Not leased, now owned outright, so not too fussy but it looks a prime position for future corrosion if not sorted well!

Tending against an insurance claim, so fingers crossed!