Don’t take the p1ss else karma will get you
But if you want something tangible - it is people that take advantage of the system that makes insurance so darn expensive in the first place!!
…. The more people make falsified/exaggerated claims, the more they will keep rising … so don’t add to the falsified claimer list …
In short, no, don’t do it!!
Oh and I had a similar decision the other day when someone pulled out on me when I was on my bike … I could have claimed and really embellished what damage was done, but I didn’t …