Honestly? Insurance in this country is joke anyways, you can have car that is worth 5000e but insurance company will run the median price on the market, and you get that. Which often, with loads of cars being sold in terrible shape, way less than what you should get. Also in majority of times, it gets you better to fix ur own damage yourself, than running it through insurance company, as you dont loose no claim bonus(only if there is dmg only on ur side)
so, for me, unless I hit anyone, insurance is piece of paper that allows me to pass gardai's check with no hassle. My last accident, even though I was full comprehensive, I didnt ran through insurance company, as loosing NCB would cost me more than fixing it myself