Should You Claim or Pay for Minor Damage Yourself?

By Daniel Moreau · Published Sep 14, 2026 · 5 min read

In this guide

Get a repair quote first
Consider the effect on premiums
When to claim
Still report accidents
Keep records

For a small dent or scratch, paying out of pocket can sometimes be cheaper over time than making a claim.

That is because claims can affect your no-claims discount and future premiums.

Get a repair quote first

Get a repair estimate before deciding. If the cost is close to or below your deductible, a claim may not be worthwhile.

Consider the effect on premiums

Ask your insurer how a claim would affect your no-claims discount and future premiums. Over several years, the increase can exceed the repair cost.

When to claim

Another driver is clearly at fault and their insurer will pay
Anyone is injured
The damage is substantial
The repair cost is well above your deductible

Still report accidents

Many policies require you to report any accident even if you do not claim. Failing to do so can cause problems if the other party claims later.

Keep records

Keep photos, repair receipts, and correspondence in case questions arise later.

This is general insurance information, not legal, financial, or insurance advice. Coverage depends on your specific policy, insurer, and jurisdiction. Read your policy documents and speak with a licensed insurance agent or broker before making decisions.

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