Vehicles get damaged, whether it be unaccountable dents and scratches or more serious collision damage. It’s impossible to predict damage but historic invoices may give you an indication of how much to budget for damage repair.
If you have purchased your vehicle or have it on a finance lease for example, the choice to repair damage is yours. However, if you have taken a vehicle on a contract hire agreement you will have to repair anything that is deemed to be above BVRLA fair wear and tear guidelines You may choose to repair vehicles on your insurance policy which is fine, but it may impact your insurance renewal cost (see below).