I did have 10 yrs plus no claims bonus. My insurance is third party and the excess is over £500. I hit a vehicle in a skid in the recent snow. It's an old car I hit, but the boot doesn't shut. The owners have checked it out and it's cost £1500 to fix. If I put it through my insurance (Who'll more than likely write the car off) will this have a big effect on my insurance for next year with nil years claim bonus. Basically in the medium term is it more cost effective to pay for the repair or go with the insurance?
Thanks
Thanks