Young driver – claim or report as incident


Hi all

My daughter (young driver) unfortunately had a low speed bump in her car – No other vehicles / property / people involved and no injuries apart from her pride).

The damage is likely to cost a couple of hundred more than the excess to repair.

She currently has 1 year no claims and the insurance company already know there has been an incident (black box).

My question is: would keeping it as an incident (without a claim) affect insurance as much as making a claim.

Just trying to decide what route to go down.

I’m also concerned that as its a relatively low value car (£1900ish) that the insurers might write it off – As she still has 6 months insurance left on the policy would this automatically end the policy?

Last edited by Korkyb; Today at 6:31 AM.

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