This is true, it happened to me. Someone damaged my rear bumper in a car park, I went and got some prices to get it fixed,£150 _200 meanwhile she had phoned direct line.
I rang them and they said that's fine but it is now logged and Will be taken into account next year.
So it went through the insurance 5 days in a garage they did give me a hire car, actually made a cracking job of it new bumper new sensors including the unusual paint £2020 including vat