A claim resets your no claim bonus to zero at the next renewal, and NCB can be worth up to 50% of the own-damage premium after five claim-free years. For a small repair, compare the repair bill with the NCB discount you would lose over the next few renewals, plus the deductible you pay anyway; if the repair is cheaper, paying yourself often works out better. NCB protection add-ons change this sum.
See on-road prices, with registration, road tax and insurance included