So I need some advice guys, The postman reversed into the starlet and cracked the bumper and bent the bumper bar a bit etc. The thing is I don't want it thru insurance as it puts another claim on my renewal even though its not my fault. The royal mail insurance phoned offering to fix etc all free, I explained it wasn't a normal kind of car etc And I asked if it would go on the insurance database And she said it wouldn't and although technically I should tell my insurance, I don't have to.. The bumper is secure and not All that bad but what should I do?