Can you offer cash to insurance company?

[Ben_C]

Had an accident at work, meaning I have to pay 750 quid excess (3rd party) through the insurance, but the damages to the other person could come to less than that, so could I pay their insurance cash? Obviously also providing details of insurance to confirm I'm insured, but not actually go through them.

[Ste]

Yea you can, but you need to inform insurance and most companies will make you go through the legal process.

What sort of damage have you done?

[Ben_C]

Went up back of 206, scuffed the plastic bit of the bumper and damaged the centre fog light thingy. I know that there's all other stuff to consider like rear beam and things, but it really 'shouldn't' be over 750, especially since the black plastic bit is a replaceable part, so a whole new bumber isn't needed.

[Ste]

Id get the guy to take it to a garage, see what bill they hand out and then take it from there. If you can afford the cash then do it.