Deciding whether to claim or not can be a tough one, so there’s a few factors you could weigh up before making a decision.
1) You believe you're not at fault
If you think that you're not at fault, you can claim on the other party's insurance. This means there is no need for you to pay Bingle your excess, and the claim isn’t on your policy. To do this, you will need the other party to lodge a claim under their insurance policy, then get in touch directly with their insurer. That company will then organise the repair of your car and sort everything out.
With Bingle, you pay your excess when lodging your claim. That excess is refunded back to you in full if we think you’re not at fault and you’ve provided us with the name and address of the person who was at fault, as well as any registration number for the vehicle(s) involved
2) Is it financially worth it?
Depending on the extent of the damage your total excess may be more than the cost of repairing the damage privately. More information on excesses can be found here. So if you have a small ding, or a scratch, it may be better value for you to repair it yourself. If you do decide to claim with Bingle and the repair work is less than your total excess, the difference is refunded back to you.
One other thing to consider is if you have a claim on your policy, you may see an increase in your next years premium.
If you need further help for your specific circumstance and want to know if you can or should claim, you can reach out to the claims team directly by emailing them at 
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If you have decided that you would like to lodge a claim, click here.