Put through insurance or not?

[RandomTask]

Mrs RandomTask had an accident in our car - basically scraped along a parked car.

The damage to our car is paint damage to 3 panels and a couple of dents around the wheel arch. I haven't seen the other car, but I would imagine similar damage. The car she hit is a company car.

Our excess is £300 in total and we have no claims protection (9 years).

We haven't had a quote to fix yet but do have a friend who runs an accident repair centre who would give us good price. Our car is an Insignia, the parked company was a Volvo.

So, basically even although we have no claims protection, what would the likely increase to our future premiums be? We currently pay around £330 fully comp on an 09 Insigina.

Any similar experiences/advice would be appreciated.

[Disco_Biscuit]

Personally I'd get the quotes and see if you can afford the repairs, I would avoid insurance company like the plague. Even I'f if you tell them and they don't pay out a penny for either car your policy will rise.

I found that out from personal experience.

[WhereamI]

I'd put it through insurance, it's what it is for.

So your insurance goes up, lets be pessimistic and say it goes up by 50%, that's £165. Repairs to two cars are going to come to a lot more than that even after your excess.

Meanwhile you should tell your insurer anyway, if you don't you run the risk of them finding out anyway from the other party and their insurer.

[wolf1]

Not sure you are going to get much of a choice with the other one being a company car. They'll want a replacement while it's in the bodyshop for starters.