Insurance advice

[Shambler]

Wondering if someone can help. My car was damaged in a car park about a month ago. There were no cameras around and no note left. I work away 6 weeks at a time and did not want to have to deal with the hassle while I was away. Will the insurance company have a problem with me claiming for this six weeks later? Also do they expect you to inform the police as at the time I didn't. It's just scratches on the rear arch. Any advice would be appreciated.

[DanB7290]

Personally, unless it's pretty substantial damage, I wouldn't bother going through the insurance, as they'll just bleed you dry come renewal time. There's plenty of scratch and dent repair firms around, most do a darn good job.

[MitchT]

If it's just scratches on an arch you'll be wasting your time claiming. A smart repair paid for out of your own pocket will probably cost less than your excess and if you keep the ins co. out of the loop they'll have nothing to use as an excuse for putting your premiums up in future. It's a tiny repair which will end up costing you big if you get the insurance involved.

[philmh]

I wouldn't claim and risk an insurance premium rise. Besides, your excess may even cover the cost of the repair anyway.

[Shambler]

The problem is its a personal contract hire car. There is a small dent on the same side and I was hoping to get the two done together.