Personally I’m also in the camp of keeping a nice car, nice. However, if I were a couple of months away from a change of lease/hand back I’d certainly look at if motability needed it repaired. Saving £100 excess and not declaring the incident for 5 years on my own policies would be nice, likely more than £100 cost if you opted for a non insurance repair too. Reading about some of the GCB stories from here over the years with scrapes too… certainly worth keeping in mind.