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Insurance premium hike at renewal after claim

Hi all, I am a new M3 owner and sadly, I scratched it quite badly after 1 week of driving this new car! I scratched and dented my left back door, left back fender and even some of the left back rim. I got quotes from the only 2 approved body shops in Hong Kong who quoted in the range of HK$80k to 90k. I called Liberty Insurance who said that it will not affect my NCD if the claim is under HK$100k but can't say if there will be any increase on premium when it comes to renewal next year.

I wonder if anyone in this community has similar claim experience with Liberty recently and what happened to the premium at renewal?

Love to hear from you all coz I am struggling if I should fix it at approved body shop and then claim, or just fix it at other reputable body shop (for only ~HK$20k) and not claim insurance.

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