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Cheers, that's really helpful. I'll double check what the deal is with insurance.
Either way, why wouldn't you get it fixed?
Previously, because it's the rear which just created a bit of noise sometimes, and was about to go into storage. Now, because I'm not able to do the work myself and don't want to spend the money on a garage to fix (or cause my mate the inconvenience of taking it there).
Happy to be corrected on any of these:
b) not an issue