'Minor' Car Accident - my fault

JamesC3

Hi,
Unfortuantley I hit a parked cars bumper the other day. I just wondered if anyone could give me advice if to settle via a quote he has received from a garage or go let them go through an insurance claim. The garage quote to repair is £295. Apparently this is the lowest quote after obtaining 4 quotes.
Touchwood, it is the only accidnet i have had ion over 10 years. My current insurance costs £210 per annum. If a claim went through how much would this increase by? My car is a 10 year old Focus.
Kind regards,
James

Grumpy_chap

Is this £295 to repair your car or the other one?

[Deleted User]

delete 123

JamesC3

Grumpy_chap said:

Is this £295 to repair your car or the other one?

To repair their car

JamesC3

[DELETED USER] said:

What is your excess?

Mine is £200 

Grumpy_chap

JamesC3 said:

Grumpy_chap said:

Is this £295 to repair your car or the other one?

To repair their car

Assuming you do not need to pay for any damage to your car as well, pay them the £295 as full and final settlement and walk away.  It really is not worth the hassle of involving the insurance on this.

There was a recent thread that discussed paying rather than insurance for a small bump, it may be interesting:
https://forums.moneysavingexpert.com/discussion/comment/78347817#Comment_78347817

TooManyPoints

The excess will not apply to third party claims.

JamesC3

Grumpy_chap said:

JamesC3 said:

Grumpy_chap said:

Is this £295 to repair your car or the other one?

To repair their car

Assuming you do not need to pay for any damage to your car as well, pay them the £295 as full and final settlement and walk away.  It really is not worth the hassle of involving the insurance on this.

There was a recent thread that discussed paying rather than insurance for a small bump, it may be interesting:
https://forums.moneysavingexpert.com/discussion/comment/78347817#Comment_78347817

Thanks very much. Appreciate the advice.