Short answer: for minor damage, often not. If the repair costs less than your excess, or only slightly more, a private repair usually makes better financial sense, and it keeps the claim off your insurance history.

Compare the repair price with your excess

Start with a private quote. Car-park scrapes, bumper scuffs, stone chips and door dings are often quick repairs. If the quote comes in below your excess, claiming won’t save you anything.

When claiming makes sense

  • The damage is well above your excess, such as a collision or hail damage.
  • Another driver was at fault and you have their details.
  • Structural parts, sensors or lights need replacing.

Get an estimate from photos

Send us a few clear photos of the damage through our quote form and we’ll give you an early indication of the private cost, so you can decide before contacting your insurer.

Written by the team at Westwide Auto Group, 56 Holder Way, Malaga WA 6090.