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Silly insurance question

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Well there I was pulling into a driveway, went backwards a bit a stuck a dent in a peug 206.

Nothing serious, a new panel at 68 quid from the dealer will sort it...

Handed over my insurance details, but quite keen to settle this with cash as I don't want to loose my NCB over something so trivial. So - if the owner goes through my insurance company, would I get the option to pay out of my pocket without loosing the NCB, or should I go round with a fat pile of 20s?

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Is the £60 the 206 owner will accept for the dent or your estimate James?

For an insurance job even a small dent would involve >£400 for a pull/skim/paint. Weight up the pros and cons first including your insurance hike at next renewal.

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