An insurance claim is never ideal – it means something has happened to you car and you need to get it fixed, no matter how small or how serious. If you choose to claim on your insurance, it can be a really long process. It can also push up your premiums in future, meaning it isn’t always advisable to claim on insurance if you’re able to pay the costs yourself. Here are some things to think about:

• Was it your fault? If not, you may be able to claim on the other driver’s insurance if you have their details. Always get a registration number if you can.
• How much is the repair? If you are able to pay for the repair yourself, this is worth considering.
• It could take a long time to get the issue fixed on insurance. You will need to talk to both insurance companies and garages to co-ordinate the repair.