Youll lose 30% no claims bonus and you will only have 30% next year when you can have 40% so if the cost is lower than around 50% of this years premium its worth paying it yourself.(for a claim you may also be loaded by 10%)
Tell the other guy you will lose £X and offer to pay cash - often if he has £100 in his pocket he will probably ignore the damage. Or if he really wants to claim ring up the garage with the owners permission and negotiate a cash price with them - when insurance companies are not involved they will often strip the work right back.
The damage is generally done behind the bumper on the mounts rendering them useless for a second impact.
You have done the right thing leaving a note and you are to be commended for that. Let us know how it goes. |