Repair question :(

[Kental]

Depending on where in Kent you are, I have used an independent smart repairer for more notable damage than that including a textured wheel arch trim on a previous Kia Niro.  4 repairs in total (over 5 years) have been less than your excess. 

[Ayame]

Just now, Kental said:

Depending on where in Kent you are, I have used an independent smart repairer for more notable damage than that including a textured wheel arch trim on a previous Kia Niro.  4 repairs in total (over 5 years) have been less than your excess. 

Thanks! I'm in Ramsgate. I think of I do decide to get it repaired by anyone I'll go with the smart repaired here. I've definitely made my mind up not to pay the excess and go through insurance. 

You've all been really helpful. It's a bit of a minefield for anew driver and car owner! 

[Ayame]

Thanks for everyone's input! I got her repaired at a local garage. 300 pounds including a new plastic wheel arch. And the work is faultless so very relieved.