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Im not sure how the insurance companies are there but in the US if you can do it out of pocket, its better.
I had to replace the windshield on my truck in FL.. Rock broke it from a dump truck. So I call the INS company, and get it fixed. free fix under FL law. about 3 months later the truck gets hit. Call the ins company they fix it.. another rock about 5 months later cracks the shield again.. call the INS company they fix it.. 5 days later I get a notice of policy termination. I argue with them that the rocks are not my fault and that FL law requires the shield to be fixed and its a no deductible repair.. Still got screwed.
trust me. 1 k out of pocket is better.
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