hi im not saying do this but when getting a quote ask for it to be put down as a single sctratch with a higher quote to take into all 3 ;)

ah right that makes sense. thanks a lot for your help, ive never had to make a claim before!

One claim = 1 incident. So you've had three incidents and therefore three claims = 3 excesses. Best thing to do might be to ask the garage to sort out the two more minor scrapes at the same time as the other one but pay privately. That way the paint will match but you'll only pay for one claim and one excess.

sorry i didnt mean a false claim. what I mean is that I have had a number of scrapes, and was wondering if I have to record each one as a separate incident, and therefore pay the excess 3 times? or because the car is damaged, and I am claiming my own fault, whether the claim is just treated as one, and the excess would be paid once

If its the same side, yes, but to be honest if not then no. They are not daft though, and a false claim can cost you. They would only re-spray the pannels, they dont normaly do a full one.

I have a saab 93 on an 06 plate and stupidly hit a high curb by a ticket machine in a car park, denting and scratching both doors and the side skirt. It is costly enough to want to take through insurance. My front bumper is also quite scratched from hitting a piece of sheet metal on a motorway about a year ago, and the back bumper is scratched from a car park scrape. If i claim on the insurance, will I be able to get all of the scrapes done in one go on one claim?

Would there be any chance of getting a full respray, as with the amount of panels needing touching up, it could hard to match the paint now it is a bit old, and will have started to fade?