Glad someone understands me!Well I'm with your way of thinking GlastoVet, I've never claimed on my insurance either and my first step in your situation would be to speak to the lorry driver's boss and get some clear answers. If they agreed to pay the bill for having the work done at a repairer of my choice then that would be good enough for me.
The trouble with telling your insurance company is, well, I just don't trust them not to load you next year. For such a trivial job I wouldn't bother. But what a fkin pain being hit is!