<prompt> Human: Posting on a throwaway because my main has been shadowbanned.Ugh. This hasnt been the best year for me, and one of the many reasons why is because of this situation:Im 20 and I ride a motorcycle, just a 125cc on my learner plates. A couple of months ago, I took my bike in for scheduled service with the place that sold me the bike and have previously serviced it, dropped it off and was given a scooter as a rental, free of charge. I pretty desperately needed a ride home, so Id have signed my soul away. So when I got there, they said for about five seconds that if there was an insurance claim Id have to pay the 1000 excess...I was expecting to have it for 24 hours, to commute and then ride to get my bike back. In reality, I rode it for about 40 minutes home and to work where it was stolen from my works car park the next afternoon.It was a huge drama, mostly because I work in a secondary school so everything is. A bunch of Year 7s witnessed it and their teacher had to tell me. Two guys rode in on one bike, broke the steering lock my disk lock was with my bike and rode off on both. We phoned the police within five minutes, the headteacher even stopped a meeting she was in and my boss checked the CCTV which was awful and blocked by a structure nobody thought to move the camera over a year ago when it was installed. Pretty much useless.The police never came, but found it smashed and dumped in a car park a few miles away. I had to give a statement, but its not my scooter so the company dealt with it from there. On Thursday, they rang to confirm that the bikes been written off from the damage and Id have to pay the excess. I asked for the document that I signed just to be sure I was in a state and dont remember signing anything and yeah, I did sign that Id pay their insurance excess.Now Im really stuck. Ive never had any debt before other than my actual established bike payments and prided myself on that considering my familys history with it. I take home just over a thousand every month without my payments and Im already paying for some of my mums issues with bailiffs on top of that.My mums paying me back for the money I lent her, so the most I can get this month is 500 and then maybe 100 or 200 every month. I want to be done with this as soon as possible, Im sick of the whole thing and upset that two cunts who went joyriding have fucked up so much for me, ruined my relationship with the bike shop too and cost me so much.Ive asked around and been given a few ideas that Im going over. Fight it. I dont want to do this, despite literally everybody telling me to. Im very stressed and dealing with a lot of other things including depression and recovering from an assault, so I dont want to go to court. I just want it to be over. Agree on a payment plan over some months I want as little involvement with the company as possible from now on, if they agree I guess this is safe but not a quick solution. Apply for a credit card and put 500 on it and pay that off I dont know much about credit cards, but a few people have suggested this. Ive been tempted to apply for one for a while for small purchases and rewards, etc. before. Im wondering how this would affect my credit if I started out by taking a big hit and then paying it off. If there are no obvious downsides, Im considering this. As far as I know, I meet the criteria for Natwests Clear Rate Platinum Credit Card Bank overdraft This advice came from my mum, who is terrible with finances. So already Im sceptical of how it works out. How would it work?Assistant: Not sure how it works in the UK, but if youre in the USA your own insurance company should have been able to cover for any residual damage to rental vehicles while under your care.Human: My insurance premium is stupid high for what I ride because of my licence 800 a year, paid monthly. I dont really want to ruin my no claims bonus that I should get soon. Would this affect that? Im not sure my policy covers rentals anyway, would asking them mean I have to file it with them?Assistant: It wouldnt hurt to ask. If you dont file a claim, they wont know.800 pounds a year is stupidly high. Here in the USA I pay 1600 to insure 3 cars in the family for 4 people.Human: Tell me about it... I deliberately went for the slightly higher policy so that Im fully covered for damage and my excess was lower at about 100.Fat lot of good that did me. On top of that, I had an accident a few weeks ago diesel on a wet road and have cosmetic damage that I dont want to report.  <response>: So, you spent extra money to get a lower deductible and now you dont want to file a claim?This seems pretty simple to me.This is exactly the kind of situation that insurance is for. 