Sample article. Replace it with your own advice, written in plain language from your workshop’s experience.
Should I claim on insurance or pay privately?
Claim on insurance when the repair costs well over your excess or another driver caused the accident. Pay privately when the damage is minor and the repair costs about the same as your excess, because a claim can raise your premium. We quote both ways so you can compare.
| Question | Insurance claim | Private repair |
|---|---|---|
| Who pays | Your insurer, minus your excess | You pay the full repair cost |
| Effect on your premium | May rise at renewal if you were at fault | No effect |
| Paperwork | Claim number and insurer assessment | Just our written quote |
| Usually best for | Major damage, or another driver at fault | Minor damage costing less than your excess |
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