Should I pay for the repairs myself or should I claim through my insurance??

Question

I am two months into my annual/yearly car insurance. I have protected full no claims bonus. The other week, someone scratched my car in the car park and as usual these days, just drove off without leaving any contact/insurance details. I have had repair quotes of between £200 and £600. Because I have protected no claims bonus, I am entitled to make one claim per year without my no claims bonus being affected. With 10 months left this year, should I claim back the repair bill through my insurance company and risk not having to make another claim this year, or do I pay for the cost of the repair myself??

Answer 1

Wait for another month, and then you will have to decide. I recommend you to risk, but, for now, you should wait

Answer 2

I think it depends on whether you said it would be an insurance claim when you got the quotes. If you did say this then the quotes would have been higher. Get a quote with the aim of paying yourself and see how much that would be. Do you have an excess on your policy? Is it more than the cheapest quote, if it is then pay yourself. Even if a bit more sometimes better to pay yourself rather than cause your NCD to be less.

Answer 3

Claiming might not affect your no claims bonus but it will certainly affect your premium next year!

Answer 4

As far as i know,this is a question with many different answers,it is really depend on the judgement of yourself,provide a great resource here for reference though.http://car-insurance.easyideas4u.info/ca...

Answer 5

Depends on your deductible.

If it's under or close to your deductible amount, pay it yourself.  That way your insurance isn't affected.

Answer 6

The question is what do you want to do? If the cost is not to great, it may be best you take care of it your self. Save no claim bonus for a something bigger with more damage. You can talk this over with your insurance company agent without putting in a claim. Get all the In's and outs. If it does hurt your insurance in the future. Then you could put it in.