Car scrape in car park - what to do

[Carscrape]

Someone has scraped or car in a car park yesterday and driven off. We didn’t notice till today. It’s a big scrape on side and door handle. Wha5 is the procedure here? Partner says we should just pay up to get it fixed. I want to get cctv from car park but they need a police or insurance repor5 first. Partner worries if we go an official route then premiums will go up. Grateful for any advice

Get a quote or two for repair first.

As you say I would not get a crime number without telling insurance.

It partly depends how much you pay for insurance, whether it's worth gambling on your insurance going up. My DP is a named driver on my insurance and went through insurance with vandalism on his own car. It's sometimes coded as his fault, simply because there was no 3rd party to claim off. It hasn't affected either of our premiums that much though. But we may have just been lucky with car type, age etc.

My scrape was £1450
excess £150
no fault. My premium went up 6% (and that presumably includes inflation)

Yep, but the issue with insurance is we're all different and have different risk profiles.

It could be okay for the OP to go through insurance but personally, the less they know the better. They are there to make money off you, after all, not to help you.

They are, but another way they make money off you is by selling you insurance you never claim on out of fear of increased premiums.

I think OP needs to get a quote and compare that with her excess before she forms a judgement it either way.

Indeed
I think the desperation of the op not for her insurer to get a whiff of this may indicate her profile isn’t too hot

That doesn’t stop your insurance from going up though. Ours went up when someone crashed into us. Their insurance paid out but ours still went up.

Is there CCTV of every car parking space though, as otherwise how would you prove it.

What "desperation"? Oh. None. Just your invented narrative.

We have a different view of desperation then because I read the Op posts as being desperate to avoid going through her insurer.

Yes, desperate

Insurance you're required to have by law, though, so it's still in your best interest as the consumer to pay them as little money as possible. It would be different if OP knew who hit her, but she doesn't, so unless she has no other way of repairing her car, there is no benefit in going through her insurance company.

Not in the slightest. From her OP she's the one favouring going through insurance and her husband is saying no. She's posting to get more info on her options. Zero desperation anywhere.

Did you miss the bit where it's her husband who wants to avoid insurance, not her?

Looks to me like it’s the op who is very keen not to tell her insurer