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Hi all, Need your advice… Huge branches fell on my car My Comprehensive insurance premium was $680 Can repair at Kah Motor (KM) with NCD protector (current is 50% NCD) waiver of excess of 1st own damaged claim (2nd own damage excess is $800) Courtesy car provided if go repair at KM Kah Motor (KM) body shop will replace the roof, knock & re-spray two sides beside the roof, two front A-pillar, two door panels, front & rear fenders Estimated no 8 to 10 days (excluding weekends) Estimated repair cost of 6-8k Provide a courtesy car Authorised workshop A will only knock & re-spray the roof (unlike KM which will replace) The rest same as KM to knock & re-spray all damaged areas. Same estimated no of days as KM Did not provide estimated repair cost But NO courtesy car Option 1 Don’t repair Maybe this is good only if im confirmed going to scrap my car (but my almost 11yrs old car mileage is only 130k, if sell on SG car mart or to exporter, maybe can fetch higher than trade in to KM if buy new Civic this year) Option 2 Repair at Authorised workshop But unlikely, coz No courtesy car & KM workmanship should be better & KM replace roof instead of repair… Option 3 Find the cheapest workshop & repair out of my own pocket?? Option 4 Repair at KM Is this the best option? If do this, upon next insurance renewal, Most likely have to stay with current insurer, as NCD protector is only recognized by current insurer Estimated increase in premium of 5% to $200+ or $300+ or $400 No more NCD protector No more waiver of excess of 1st own damaged claim PS: Hi moderator, i seach by insurance & branch & tree, but was not able to find a similar topic... pls help to move to the appropriate thread if i post wrongly, many tks