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Agree 100% about avoiding any talk of insurance claims, it will dog you forever does not matter whose fault it is and insurers could not care less. My last bike was knocked over by a visitor to my nieghbour. Similar sorts of cosmetic damage, I asked for £100 in cash and we left it at that. Don't get onto bad terms with anyone, even though they may be a bit twatish. I have done some silly things in the past and paid up in cash on the spot it works wonders.
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