My son who is on his green plates was with Budget. He had a small ding in a car park because woman was parked illegally. Her car valued at high end. Small paint scratch supposedly requiring $2,000 to repair. We did not know at the time that it would have been better for him to not claim through Budget but rather just pay for the job. Budget did not advise to not claim. He received a letter from them soon after saying they were not renewing his insurance yet said he still had a no claim bonus rating of 6. Each time I have tried to reinsure him all insurance companies deny him insurance when I tell them what happened. He is a safe driver and no points off his license. Got him comprehensive insurance on the phone recently - they did not ask if any previous claims. However when I read the contract it stipulates the insured person has made no previous claims. I am in the ethical dilemma of letting them now know and risking them dropping not only the comprehensive but his 3rd party. Any help much appreciated.