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Bloody brilliant just came out to my car and some one or thing has bumped it and cracked the front bumper and head light and never had the guts to knock my door or leave a note to say sorry hear are my insurance details, advise please car is on a pcp and will my insurance pay out for the damage absolutely gutted 

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Depending on your excess and no claims bonus it might just be worth having a word with a local repair shop and fixing it that way. 

Alternatively, depending on the make of the car you might be able to pick up a newish bumper online and fit it yourself if you’re handy with spanners.

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1 hour ago, ninjaferret said:

Surely you'd just pick up the phone and ask the insurance company ?

Going to.look through my policy to see what's what thanks for the positive assertive comment 

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19 minutes ago, lampro said:

Going to.look through my policy to see what's what thanks for the positive assertive comment 

Well sorry if you didn't like it, but that's what i'd do. Get straight to it , if you're covered great, if not get on with repairing it. 

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Get a price first as you would not believe the work the likes of dent master etc can do, because with paying your excess & the insurance company will load  for the next 5yrs it might work out cheaper.

Edited by blackbird
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Yes insurance will cover it, you should be fully comp as per terms of PCP, even ringing them to enquire will result in an uplift of premiums for the next 3/5 years regardless of whether you claim 

You could fix from your own pocket say nothing and  not suffer any uplift in insurance. Risk is getting discovered later at handback of car.

Now if you drive a  modest car and have no sports car ambitions the uplift will be of little concern

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