My gf's car is a cat d 3 times now!!, last time it was hit caused around £450 damage, that you really can't see, so insurer paid out full repair money, I didn't bother repairing she just pocketed the money, still insured with the same insurers doesn't affect premium.
Damage was a dent in off side rear 1/4, was quoted for a complete 1/4 on a 16 year old astra!!, could just put a bit of filler in there, but have trouble finding the dent it's so big!!
tabetha