Our nanny has pranged the car twice in three months - the first time just smashed a headlight and cracked the bumper, and it looks like this time she's driven into a low object and crumpled the bottom wing. The first damage cost £250 and we just dealt with it. This new damage will prob be around £350-£500. Neither time has she realised she's done it til we've pointed it out. We'll pay again for htis second repair as it's not worth claiming on insurance. Looks like both times were careless parking to me. Would you say it was fair to tell her that if there's a third similar incident in the same year that she will have to pay next time?