Far better for the dealer to rectify the damage themselves, rather than you make a claim and just ask for the excess. Firstly they will probably do a better job than the organisations that Motability use (I wasn’t impressed with a bodywork repair we had on our last car) but, more importantly, if you get to a point where you want (or need) to leave the scheme, your no claims discount will be affected, which will hike up your insurance cost.
