To claim or not

Venin

MY wife has recently damaged our main car at home doing £2500 in damage. It was done scraping a wall on private property so nobody else involved.
I am trying to find out if I have to tell my insurer if I pay for the work out of our savings, also if I need to tell the insurers of 2 other cars I have in my name.
I am concerned it is going up increase premiums on all 3 vehicles.
My NCD is protected on the damaged car but there is £450 excess.
Can anyone offer any advice?

Cheers
Paul

neilmcl

For that amount I'd let the insurance sort it, that's what they're there for.

OnanTheBarbarian

If you let the insurance sort it, I'd very much doubt that you would collectively see an overall increase in insurance premiums over the next 3-5 years of £2000.

if it was £500 of damage I would probably keep schtum and sort it out of my own pocket and not inform my insurer, but £2500 is a big loss to absorb yourself and odds are you'd be worse off in the long run self-funding the job yourself