Should i claim on insurance? Will maybe require new bumper and perhaps even new tailgate on an 02 VW Sharan tdi. I'm on a joint policy with my wife, 25 no n/c, I'm the main driver, 29 with 2 years n/c. Our excess is £500 but i'm sure the repairs will be more, but we're not sure about the best way to get our car fixed after my stupid mistake. Any help would be very much appreciated and may go some way to getting me out of the doghouse!

well ... what i do would look around , a savage yard,,, a bumper, run around 75, an a tail gate around 50, too a 100,, but if you file, not only you out 500, but the inc rate may go up,