Thats a good point. Also if you have legal cover from your insurance, you can make a claim through them. When I had my rear bumper redone, I went though my insurance legal cover (note not my acutal insurance) so it wasnt a claim against my insurance, but theirs, but my insurance legal team dealt with it all, so didnt have to pay a thing or have a mark against my history, which meant my premium didnt go up when I renewed