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Should you file this claim with your insurer?

Filing costs more than the deductible: it also costs you the bonus you would have earned, often for years. Enter your situation below and see the repair amount above which filing pays off again. Everything is worked out in your browser — nothing is sent anywhere.

Our recommendation

Pay for the repair yourself.

The threshold is €150: above it, filing costs less.

This answer holds whatever your deductible is, from €150 to €800.

Your situation

Change this amount and the recommendation updates immediately.

What you pay today, as shown on your renewal notice.

Between 0.50 and 3.50. It appears on your claims record. Defaults to 1.00.

This decides whether your own damage is covered at all, and so whether the question even arises.

You set this yourself; it is not derived from the report's tick boxes.

Your deductible

We test every deductible between €150 and €800.

No need to dig out your policy — the recommendation is the same across that whole range.

The two scenarios

Scenario A — I file

Your insurer covers the repair; you pay the deductible and the premium increase.

Deductible
€0
Premium increase
€0
Total€0

Scenario B — I pay myself

You settle the repair directly, with no payout and no malus.

Repair
€0
Total€0

Paying out of pocket is an arrangement between drivers. Your contractual and legal duties to notify your insurer may still apply regardless, and the other driver remains free to file on their side. All figures are estimates.

What you really lose

The cost of filing, totalled over 5 years, line by line.

Every amount is the difference against not filing — never the price of your new premium.

  • Deductible€0 – €0

    Deductible of , as you entered it.

  • Premium increase€0

    No impact on your premium: at this level of responsibility (full), your coefficient is unchanged.

Total cost of filing€0

Need to fill in a report?

Complete your European accident statement online, sign it with the other driver and send it to your insurer in one click.

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This calculator keeps nothing. Create an account to save an analysis against a report and download it as a PDF.