Hire van for moving house. Drive to new housemate's old/current flat and she directs me to the underground car park. Long wheel base bigger than tranny van thing. "Will it fit?" "Yep", she says, then turns away to roll the shutters up. I drove forward slowly towards the shutters, then hear this awful crunching/scraping noise as I wedge myself between the floor/ceiling and the road underneath. I have excess insurance, and It's just about noticable from ground level (the medium sized wedge of missing van). I see a few potential options/scenarios: 1) Pretend I didn't see it and hope they don't notice when I bring it back. Free, best option, slight moral quandry, thought not that slight. 2) Admit to it and pay for the repairs (is this even possible, or do they just claim off their insurance?) 3) Let them notice/admit to it, and claim off the insurance. This will mean paying the excess (she'll pay) and won't affect my personal car insurance/no claims. 4) Let them notice/admit to it, and claim off both the hire car insurance and use the excess insurance to not pay out anything. Apparently this will cost me nothing, but my premium will rise. Potentially for the next five years. Best/cheapest option?