I suppose I’m just concerned about claiming at all – just in case it makes things harder next time around? black mark next to the name and all that…
I wouldn’t be concerned about that Jay. If you were in the last few months of your lease fair enough, but you will pay an awful lot of money for your Motability car (£10k in sacrificed benefits alone) and part of that payment covers the insurance. Why put up with a damaged car for the full 3 years? It would irritate the hell out of me! We all make mistakes and Motability are very understanding. Touch wood I’ve never had to make a claim as the couple of dings we’ve had have been minor and didn’t cost me much more than the excess if we had claimed, but if I’d done what you describe I would have no hesitation in claiming. I really wouldn’t be so accepting of second best. You are paying handsomely for a service, so don’t be reluctant to use it!