Yes do not tell motability they’ll hold it against you and should you have more than 2 incidents on your insurance they can refuse you for future cars. This happened me when someone knocked off my wing mirror when I first joined the scheme, I informed them as per their t&c and then someone drove into the car at another date and informed them and when it came to renew they said they wouldn’t due to those incidents. Neither were my fault and I had to argue with them and they agreed at a higher access and said no claims were allowed to be made within 3 years to continue on the scheme. So personally I would just have someone else fix it and pay and leave the insurance incase there is a need for it