Insurance or accept cash to repair it myself?

[NorthWestern]

I had the same as Tefer.  My no claims was unnafected but for 5 years (for me this period ended a couple of years ago) I had an inflated insurance for simply being in an insurance claim (no claim made against myself it was all the other parties fault).  You can actually check this by ticking the box on compare the market - it is something like "been involved in an accident in last 5 years even if not your fault" - and compare with and without to see how much it will affect you.


I found that the insurance companies wouldn't budge each year after calling them directly...