My girlfriend reversed into my car once at about 5mph and took a bit of paint off my bumper.... does this mean i should have reported her and risked increasing both our premiums.... of course not!! I just got it repainted.

Thread starter - IMO she's hardly done any damage to your car... just do as others have said and get her to meet you at the bodyshop... when they quote you there and then just get her to hand over the cash there and then... all sorted!!