[Michaeldeezer]

Asking for opinions/advise, please.
I am suffering from whooping cough at the moment so I am not thinking clearly.
The scenario: I bought a (new) Fiat 500e at the end of March.
I have scrapped the side on a low wall at low speed. I would estimate repair £1500 to £3000. Insurance excess is £500.
Should I pay for the repair myself and if I do would there be any official record kept against the vehicle? Or should I claim through the insurance? From what I have been reading, because the car is so new the insurance company may just write it off.
Thanks for any advice you can give
Michael

[Santa]

@Michaeldeezer.

I suggested that if the repair was less costly, it may be worth dealing with it yourself. The sort of thing I have in mind is light damage to paintwork or bumpers.

If there is any structural damage, it's prudent to put it through insurance. Yes, it will affect future premiums, but that's a price worth paying for peace of mind.

[Santa]

It's a £30k car, so they won't write it off for a £3k repair.

You estimate the cost of the repair may well be wildly out. IME repairs are always a lot more expensive than we expect, but maybe you have some expertise.

If it was a minor scape that would cost little more than the excess, I would suggest having it repaired at your own expense. From the little information you give us, I would strongly recommend putting it through insurance.

[Michaeldeezer]

Thanks for your reply, I'm a bit confused where you say having it done at my own expense but then recommend put it through the insurance? Thanks once again for your reply