I wrote my van off, was only going slow as it was icy and at night, a cat ran across the road, I braked to miss it and skidded into a tree, could have repaired it but didn't want to, didn't claim on insurance as it was only worth £1400 and my excess was £850.
I never declare it to my insurance company, if I didn't claim then I'm not volunteering information that will make the rip off barstewards charge me more than the extortionate price that I already have to pay, it goes up every year for me even though I have never made a claim and am getting older.
