claiming on my own insurance

[Grant]

f*ck it mate.. you will lose your NCB either way, might as well go and explain the circumstances and let them decide... worst case scenario is that it goes 50:50 and you end up losing stuff and having an increase anyway.

if you have pictures to prove then you have little to lose.

Worst case is he loses his no claims and has to pay his excess.

Best case is he wins and doesn't lose anything.