Not automatically. First find out what the repair will cost, then compare that with your excess and the wider effect of making a claim.
Modern cosmetic damage can be deceptive
A bumper scrape can involve paint, brackets and sensors. Equally, a shallow mark may polish or repair locally for much less than expected.
Your excess matters
If the repair is close to or below the total excess, a claim may provide little financial benefit.
You may still have reporting duties
A decision not to claim is not necessarily equivalent to a decision not to tell the insurer. Read your policy terms.
If the repair is significant, compare the figures calmly: excess, repair price and the policy's requirements all matter.
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