Hi Looking for some insurance help/advice. My car was damaged back in May 2017, someone scraped down the side of my car . Since the damage was done I have had the car garaged at my parents house mainly due to being fed up of getting it damaged (3rd time now, 2 scrapes down the side and a bath tub scraped against the car and dumped on my roof (around 2013)). I have police reference numbers for the bath tub incident and the scrape in May but my dad and uncle convinced me to not go through insurance as it will affect my premium (Male 26 almost 9 years no claims bonus). I have no claims protection so couldn't really understand their logic but I have never had to use my insurance company for anything so wasn't sure if it would affect my premium or not.
I have recently been to a reputable body shop to get a quote to get my car fixed and got quoted approx. 2000 pounds. This includes pulling dents from the door, roof, and boot while respraying the roof, 1 wing, door, rear bumper and 1 rear quarter.
While the car was in the bodyshop I was thinking about getting them to spray the roof metallic black and also get them to fit a Stillen roof spoiler although I don't think I will be able to get them to do this at the same time due to it not being back to standard.
My question is whether it is too late to go through my insurance to get the car fixed and if I can get the car fixed through insurance could I get the modifications done to the roof (colour and spoiler) at the same time and pay for that part myself or would it be 2 trips to the bodyshop?
Any help greatly appreciated.