bumped my car in the works car park. Wasn't paying attention, top floor has a lower ledge, stupid parking sensors... anyway, have a nice scuff on the rear bumper, dislodged and bent the odd rear curvy bit thats below the bumper (2007 BMW 3-series msport). Just cosmetic but looks expensive cosmetic. Just wondering how expensive a repair has to be before you consider calling the insurer. Would a car park prang even count? I have full no claims (not protected) and I think a £400 excess. Having never had an accident that is my own fault, I have no idea how much my policy is likely to go up by, and therefore how long it'll take to settle down again. If I can work that out, I suppose I can work out the actual cost of a claim and therefore the threshold where its worth claming eg if my policy goes up by £200 per year and takes 3 years to get back to normal, thats £600, plus £400 excess is £1000 so its not worth claiming for anything less than that.