At the weekend my wife managed to reverse into a stationary vehicle in a car park (yes I know!).

Anyway, it's looking like the damage to the other car will come out at around

 

Ouch

Personally if I had the money I think i'd pay for it to be done outside of insurance. Much easier on renewals etc and not having to mention the accident in the future.

I think it depends on your personal circumstances and whether it gives you problems to shell out

 

I would advise discussing this with your insurance company, they all act different. Some will only remove one years NCB for such a small claim. Your conversation is not recorded on the policy, it is only recorded when you claim so you are under no obligations and you have nothing to lose.

I would maybe go down the insurance route, thats what its there for, I would say it would reduce it by one years NCB on claims upto