OK,
I'm 20 years old with 6 points for speeding and running a red light and I drive a cooper. Therefore Mr Insurance man stays as far away from my car as possible, my excess is over £500 anyway...
I would only have BMW apporved bodyshop play with it as I have seen the shoddy work even the best bodyshops do, miscued paint and mismatch colours they never seem to be able to put badges back on properly either... My old punto had a new boot lid and came back an 'unto'
