Compare claiming with paying a small loss yourself.
For a small loss, claiming isn't always the cheapest choice. Enter the cost of the damage, your deductible and the premium increase you might see each year, and for how many years.
It works out what the insurer would pay after your deductible, subtracts the added premiums, and shows whether you'd come out ahead or behind by claiming. Ask your insurer or advisor how a claim could affect your premium, since that varies.
Nothing you enter is sent or saved. It's an estimate worked out only from your numbers. It isn't advice, a quote or a recommendation.