Insurance - Claim or not?

[rizel23]

Some idiot hit our car and drove off.

Policy in partners name with 9 years NCB protected.

I'm named driver with 8 NCB on the policy.

Excess is £200.00 and repair work has been quoted between £500.00 - £600.00

Thoughts on how to proceed? thanks.

[creampuff]

Been there, done that. Coughed up for the repair myself and didn't tell the insurer.

OTOH that was before the oil price crash when I was a powerfully built company director and had plenty of cash. At this point in time it would be marginal, but I'd still probably pay it myself as the £400-ish you get back from insurance you will probably almost pay back over the next 5 years in increased premiums. Remember your NCD stays fixed, but the base premium can still increase.

[over_the_hill]

Were you quoted as an "insurance" job or as a private individual.

If it was "insurance" get new quotes as an individual.