Should I claim if the damage is small?

For minor damage, compare the repair estimate with the excess that would apply. Ask your insurer how a claim could affect your no-claims discount and whether any excess could be recovered.

• Check for hidden damage or injuries before treating an incident as minor.
• Read the incident-reporting requirements even if you do not intend to claim.
• If someone else is involved, give your insurer the facts and follow its instructions.

There is no reliable formula for predicting your next renewal premium. Whether a claim is worthwhile depends on the damage and your policy; do not assume an excess is always payable or always recoverable.