2016 Ford Ecosport: Repair or Claim Insurance?

[xkcd0137]

One day, While my car was parked a Safari driver while reversing hit the back portion of my car. I have attached the pics. Kindly guide if I should get it repaired from an FNG or claim insurance. I think I have a 25% NCB
1st year - 2 claims
2nd year - No claim
3rd year running - No claim till now.
FNG has quoted a cost of ₹3000. Service centre guys want to replace the bumper, plastic side panel and dent, repaint the remaining part quoting sth more than ₹10-15,000.
Another thing, since this accident I am hearing a very low noise from the back tires. I have shown it to the FNG, who said it not really an issue and may be due to tapering of tyres. Service centre guys wanted to charge ₹1000 for a mere inspection, so didn't get it done there. Should I go for claim-insurance, and get this issue checked within that?

 

[allhyundaicars]

How long till renewal?
I guess you should get it repeaired. Also 3000 seems on the higher side. Bargain some more.

 

[xkcd0137]

How ling till renewal?
I guess you should get it repeaired. Also 3000 seems on the higher side. Bargain some more.

Renewal is in November. I was of opinion that repair will not be a perfect job. They will try to reform it to its original shape but since major parts which have been damaged are plastic and not metal, they may not regain the original shape.
Regarding 3000 bucks, I'll try again. How much should it cost? 2500 is okay?

 

[allhyundaicars]

I don't think it will be beneficial to opt for claim now. If you are getting the bumper painted then he should be able to make it look new. As i can the plastic part which is damaged is really small. Only paint and tinkering shouldn't cost more than 1500rs. Ask him to get you a second hand part in return of yours and ask the price. With the replacement it should cost 3000rs not without