When your car bumper gets damaged, your first thought might be to call your insurer. After all, that’s what you pay them for – right? But in many cases, claiming for bumper damage either isn’t covered or ends up costing you more in the long run. Here’s why using your insurance might not be the best idea – and why a quality used bumper could be the smarter, cheaper choice.
Your Excess Could Be Higher Than the Repair Cost
Most car insurance policies in the UK have an excess of £250 or more. If the total cost of replacing your bumper is around £400–£700 (which is common with new parts), you’d still be paying a big chunk out of your own pocket – and that’s before your premiums potentially rise. In many cases, buying a used bumper and paying for fitting yourself works out cheaper than making a claim.
Cosmetic Damage Isn’t Always Covered
Insurers often don’t cover minor scuffs, scratches, or small dents – especially if there’s no clear third party involved. That scrape in the supermarket car park? It may not meet your insurer’s claim threshold, or it could be written off as wear and tear. Why pay dealership prices when a recycled bumper in great condition can do the job for less?
Claims Can Affect Your No Claims Bonus
Even a small claim could reduce or reset your no claims discount, depending on your policy. For many drivers, keeping that bonus intact is worth more than a relatively small repair cost. By sourcing a second-hand bumper and arranging a private fitting, you keep your record clean and your future premiums lower.
Insurance Claims Take Time
Claiming through insurance isn’t instant. You’ll likely need to book an assessment, wait for approval, and use an approved garage. Meanwhile, your car might be out of action – or you’re driving around with a damaged bumper. Buying and fitting a used replacement yourself can be quicker, especially for common car models.
Used Bumpers: A Cost-Effective Alternative
High-quality used bumpers are a brilliant option for anyone looking to save money without compromising on appearance or safety. Whether you drive an older vehicle or just want to avoid unnecessary costs, a second-hand bumper could be just what you need – and we’ve got a wide range in stock for fast UK delivery.
Before You Claim – Check Our Stock First
Before you risk your no claims bonus or pay a high excess, browse our selection of used car bumpers. With stock for popular makes and models, you could save a small fortune and get your car looking right again without the insurance hassle.