Insurance or accept cash to repair it myself?

[Tefer]

So your getting £1400 and its not written off? Well done if that's the case.


My 99 fzs600 was knocked over by a driver while stationary in a car park, she asked about paying the damage. I gave her a list of what was needed, was only about £400, she decided to go via insurance, which i found weird but i was getting bike fixed, so happy. Well the insurance ended up writting the bike off, i was offered £1600 or £1278 and keep the bike, thought i'd won a watch. Went to Europe, repaired the bike and got a shed.... Only now do i realise how its not all a plain as you think. I have to declare the accident, ok as a non fault but it has to be declared and this has affected my insurance for both bike and other policies, this could be bad luck on my part or the true picture. I was added to my Partners brothers van insurance, he asked all my details and i had to supply the claim info, he said with out the claim his policy went up £30 a year... with the claim it was up £80 a year. Just because it all looks well just now, it could change the future.