In cases like this, ALWAYS go through your insurance company.
There are far too many risks associated with this kind of thing these days and it’s simply not worth putting yourself in a position where someone might be looking to take advantage of you. Not only that, but whilst you say your car isn’t damaged, it may well be. It’s just not visible to you. That may cost you in the long term.
Besides, your insurance is part of your contract with Motability anyway so is effectively ‘free’ so why not use it?
*I know it’s not free, but you know what I mean.
Current car: Mini Countryman EV in very shiny black!
Previous car: MG HS Exclusive in nice shiny black.