I'd claim on the insurance and get a quality repair job. You might pay an £100 extra on your premium next year but its not the end of the world. My girlfriend wrote off my second car last year and lost me all my no claims and left me with a claim on my policy. Just renewed with 1 yrs ncb, a claim, 27 years of age with 18" monza's, colour coded, ed30 rear bumper and black vw badge for £660 all in. Mate has had 2 claims for bumps and his policy still went down both times. Insurance is there for a reason and it doesn't mean your premium will rocket.