Will this go down as a fault claim? As this damage was done while the car was parked. I dont want this to affect me in the long run IE claim on my record. As most likely this will be my only time on motabilty. As i will purchase one privately.
As there is no other party to claim from (unless the offender is identified or comes forward), it will be a claim and you will pay the £100 excess with DLM, unless they waive it as accepetable ‘wear & tear’ minor damage. Note terms such as ‘at fault’ and ‘claim’ don’t necessarily mean you caused an accident, merely that a claim was made from which there was no other party to claim from.
When you apply or renew private insurance, the application will ask about any accidents or claims, which you should answer honestly. If you don’t declare anything and it is subsequently found out you have not declared an incidence, your insurance maybe revoked (which is also a question on applications and will cause even greater problems in the future as many insurance companies will not insure those who have had policies revoked, or load the policy cost even further).
Hence why a minor smart repair maybe feasible, even though you will pay for it out of your own pocket.
It really is up to you which way you want to jump, but if you are looking to privately insure in the near future, you need to weigh up the pro’s and con’s.