If you are unfortunate enough to be involved in an accident then you may worry about the cots of going through the insurance. IF you have hit someone else’s car and caused damage, then they are likely to go through your insurance to make a claim. If you have not protected your no claims then this will mean you lose them but if you choose not to claim for damage to your car then you will not have to pay any excesses.

Before deciding whether to claim for damage to your car you need to think about the cost implications as well as the time it is going to take to get you back on the road. If you have an excess then this needs to be taken in to consideration along with the increase in insurance prices you are likely to see the following year. Next you need to compare this to the cost of repairing your vehicle yourself. You first need to ensure that there is no mechanical damage on the vehicle such as a damaged radiator or bent chassis. If it is just panels such as doors, wings or bumpers then you may decide to get second hand ones from a scarp yard. This can not only be a cheaper alternative but can also get you back on the road quicker.