My S3 has got done for the second time now at work and debating what to do? Got 9 years NCB protected and its fully comp and just wondering if anyone has ever bitten the bullet and made a claim? Did your insurance go up much the following year? I'm thinking I am in my mid 30's so it can't go up much more if I claim can it? Looking at my policy it does say I can claim for accidental damage but can't find anything on vandalism. I found a website that said a lot of fully comp polices should cover this but I always thought they didn't. I did make a none fault claim 2 years ago which didn't go against me so I guess I would still be fine?