Thinking this is cheeky of friend?

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3 years ago I was out for the day with friend, when leaving the attraction my ds threw open my car door and banged df's door causing a dent and chipped the paint on the door.
The car was only a few years old and I took responsibility right away saying I would of course pay for it.
Df got a quote of £300 which I agreed with and she said she'd tell me when the car went into the garage.
I have asked numerous times over the three years to settle up but she's kept on putting off taking the car to be fixed and I've still not paid (and the car still dented three years later)
We only meet up a few times a year, we met up over Easter and she was driving a courtesy car. Turns out her husband had scraped the whole side of the car along a wall and it was in getting the two doors and front and rear panels fixed through the insurance. Turns out it's the same side as my dc dented.
I was the one who asked about the courtesy car to start with and after telling me what had happened she said "anyway I'm glad you've brought it up as we'll need the £300 now it's in being fixed" I replied "oh will this not complicate payment now that insurance is involved" and we got into a bit of a tit for tat conversation before I said I'll transfer it.
Now I KNOW it's my (ds's) fault and I would have paid years ago had the car been repaired earlier but I feel a bit 🤔 now that the cars being fixed through insurance but she's still taking the full £300 from me even though the door will be fixed due to her dh's accident.
I suppose in my mind if roles were reversed I'd be joking about friend having a lucky escape not having to pay.
Am I a total cheeky fucker or does anyone else find this a bit off?

If she didn’t have the repair done you shouldn’t pay where is the invoice to say it was repaired. As the insurance is sorting it now why would you pay if it’s the same side and being paid for by the insurance sounds like they trying to get you to pay their excess.

Its not fair enough tho. Her husband has massively damaged the car far more than op's ds but op is paying for it all to be sorted. (Depends on her excess fees but mine is £250).

So her insurance is paying for the repair? Where is your £300 going, in her back pocket? If so then yes she is the CF. I'd ask her how much the excess is & pay her that-yes you could have paid her at any point in the last 3 years but hey, you snooze you lose!
Suppose it depends on how much you value the friendship though clearly she doesn't value it much as presumably you'll think of her differently now...

Is her insurance actually paying for the dent though? Insurance companies aren't stupid and will question how a dent was caused by scraping a car, plus they'll probably be able to tell any chips are older. It may be they're just having the work done at the same time as it's going in

Seriously? They're friends supposedly, not strangers in the street!

She's probably thinking that'll cover the excess, which she shld have explained.
The car was damaged previously so shld have been fixed but she just left it so not really your fault.

My excess is usually £100 but that because I pay a little more to keep it down. Most people will be £2-300 excess on a claim.

She wld be a cheeky fucker if someone had hit the car and it was their insurance paying so no excess to pay. As they are claiming their insurance then there will be an excess.

Just pay it and forget about it. Next time something like that happens get bank details and pay so it's done with.

She's a major CF expecting to pocket the cash now it's being fixed on the insurance.

Op isn't paying for it all to be sorted, friends insurance is. All op is paying is the £300 she originally agreed to pay.

Personally, I would have paid her the £300 immediately. I would have hated this hanging over my head for all those years. It’s nit m6 problem if she spent the money on something else. But as you didn’t, it’s not my problem that the insurance is paying, you agreed to give her £300 so just give her the money

I bet you've already paid, haven't you?

If so, then I've no clue at all why you've posted on here

If you'd have paid then then it would still have needed paying for or going through the insurance now.

I'm with the don't pay crowd, insurance are now sorting it, no one is being paid £300 by her to repair the dent therefore you don't owe it. If she's a really good friend (which TBH I doubt if she'd do this) then I'd consider paying but otherwise she can get to fuck.

What would you now be paying your £300 for, what is it to cover. It can't be to cover the cost of the dent, as that is being paid for the insurance, so what does she think it's for ?

Maybe send her a message saying as the insurance are covering the cost of the repair due to your DH worsening of it, do you want me to pay the excess ?

Ask her for a receipt for the repair of the dint that you caused and pay when you receive it.

I wouldn't dream of taking £300 off my friend if their young child accidentally scraped my car.

To answer some questions.
The £300 was to cover the original damage caused by ds.
The husbands damage has written the door off that ds damaged so the whole thing is being replaced.
I don't know what their excess is (could be tiny or huge) but they are going through the insurance as it'll cost ££££ to repair.
Yes I know that had I paid right away I would be £300 down anyway which I totally agree with as ds was responsible and I rightly agreed to pay.
I think I'm just miffed as under these circumstances I would never have taken the money from her once this new damage had happened.

Do not pay her a penny.

She’s getting the entire area fixed so your dent is irrelevant now.

She should have fixed it 3 years ago.

Please don’t tell me you’ve paid her?

There is also the fact as well as the excess that an insurance assessor can sometimes ascertain that there is old damage to the vehicle already and ask for payment as a betterment. Just pay the £300 you agreed to pay. I am afraid I am in the you are the cheeky one camp.

Pay her in monthly instalments over the next 3 years. She wasn’t in a rush for it before now - she can wait another 3 years to have it in full.

It’s really weird of your friend. Does she want the money to pay the excess? If not it’s just being petty. However, you should have just transferred £300 in full and final settlement when it happened.

"friend" is a CF !!

shes chancing her arm here!

I wouldn't have asked for the money but I would have paid it, becauae I am a mug who will do absolutley anything to avoid conflict or awkward conversations. I probably would start to let the friendship quietly go though as I would feel taken advantage of.

Have you paid her?

She should have taken the money straight away but she didn't and now the repair is not required.

The money you were going to pay her was to compensate for the cost of damage as in there cost of repairs. There are no repairs now.

What was her answer when you discussed it? How did she justify still needing the money?

DO NOT PAY. The reason you would owe £300 is because she would need to PAY £300 to get it fixed. She is not paying to have the dent fixed, ergo you don't owe it. It is that simple. Why on earth would you pay it, it isn't a debt if she never actually has to pay any money out for it! In a legal case damages would be paid based on losses - there is no loss here so no damages are due.

I'd definitely pay her because you're just covering the excess anyway. You still damaged her car.