Seems I've been hit by a double whammy... All was going fine and I decided to change car insurance to lower the premium a bit (30%). Done all things properly, sent cancellation letter to old insurance, and now waiting for the new insurance to kick off in a couple of weeks. Had full casco with bonus protection on the old insurance and no claim history.

Now, had a self-prang due to a ill-fated maneuver - bodywork damage, lots of plastics and a lamp to replace and the main dealer is rubbing its hands looking at a 2k+ repair

For me it would make sense to claim on the old insurance (1k franchise), but this means I will have a claim for the new one which is yet to start, and the new insurance is already saying that the premium will be higher.

What options do I have:
- not claim and be 2k+ out of pocket
- claim on the old insurance and be about 2k+ out of pocket in franchise and increased insurance costs over the next few years for the new insurance
- can I cancel the cancellation of the old insurance and stay on their bonus protection? I've already effectively received the cancellation acceptance from the old insurance
- can I cancel the new insurance which I already signed up for as they are increasing the premium before the cover will start?

Am I stuffed or what?

you still have to report the accident, in theory, and to them you become a bigger risk because you had one.

the insurance does not seem to go up that much (not according to when I've claimed and what I remember in the brain cells not destroyed by alcohol).