came out of my house to be greeted with the sight of my xl650 flat on it's side, a mother on the school run reversed into it and it took quite a whack. took it to the garage and found out the right hand bar riser had snapped in the yoke on top of the fairings cracked mountings all snapped. garage said it would be at least £600 to fix. other party said if its too much they will go through claims trouble is pretty sure insurance will write it off, plus if it goes through insurance do i lose no claims and face higher premiums? never had to claim before.