My Son rolled his car driving like a bell end, he had 2 friends in the car. Miraculously none of them had a scratch on them. After the initial hug to make sure he was okay, he got it with both barrels.
The car only cost a grand, so we wrote it off without claiming. His premium went up by a few hundred pounds when he got a new car, we told them he had had an accident but no claim, and no 3rd party. So in the grand scheme of things, not that bad.
Silver lining? He is now a very careful driver, and is very aware of what might have been.