right this happened to my mum few months ago.

basicly shes got a mk4 fiesta fairly mint. anyway this young girl reversed into it aged about 19 didnt want to risk her ncb. my mum said fari enought as we all make mistakes.

she said she reccomened a body shop etc.. they quoted £180 to do it.

my mum wanted another shop to do it ao got a few prices ranging from £290 min - £300.

and in the end 3 weeks later. her dad phoned up saying your out of order and crap saying they been quoted 180 etc etc... so my mum said im doing you a favour.. and said theyll go though insurance (she had insurance detail first)

she told insurance the story they were fine about it all. and the young girl lost her ncb.. her problem i guess.

but aslong as your happy with bodyshop its at etc etc id say go for it.

think when you were younger how much ncb made it cheaper.

Ash.