I have had a non fault claim like others say and you have to declare it afterwards and your policy goes up....but not much TBo.

I would get a couple of independent quotes yourself, and then if your happy with halving them, tell them it will be £xxx in cash within 48 hours or your going to declare it to your insurance company...

I know a few people who got ripped off by settling outside of insurance companies, and at the end of the day it's YOU who is doing them the favour and not the other way round.

if in doubt, ring your insurers with her reg number and ideally a witness to hand, and leave it to them.