Straight Answers · Insurance & Claims

Small Dent: Claim Insurance or Pay Privately?

For a single door ding, paying privately is usually cheaper than your excess, and it keeps the claim off your record. We quote it first so you decide with real numbers, not guesswork. For your broader rights and claims process, see Insurance & Claims → For the repair itself, see Dent Removal →

The Maths on a Single Ding

Compare the private paintless-removal price against your excess plus the years of premium loading a claim can trigger. For one small dent, the private number usually wins.

When It Tips the Other Way

Multiple dents, or damage beyond what PDR can fix, changes the calculation. That’s when the claim starts making more sense than paying out of pocket.

Where to next

  1. 01

    Get the private number before you decide. Dent Removal →

  2. 02

    More answers. Straight Answers →

Mercedes-AMG wheel and brake caliper detail at Stow Smash Repairs workshop

Send photos. Get a real quote.

No callback loop, no drive across town. Photograph the damage and we quote from that, or we’ll come to you at home or work.

Photos in, honest number back the same day.

Find Us

35 Hotham Parade
Artarmon NSW 2064

Opening Hours

Mon – Fri
7:00 am – 4:30 pm
Saturday
By appointment only
Sunday
Closed
Call (02) 9439 8572