Is it worth making a claim on car insurance?

Is it worth making claim on car insurance in Australia depends on excess, no claims bonus and damage amount, generally worth claiming if damage over $1,500 to $2,000 after excess $500 to $800, but not worth if damage $500 to $1,000 less than or close to excess. Car insurance comprehensive costs $800 to $1,500 per year, with excess $500 to $800 and no claims bonus discount 20% to 60% saving $160 to $900 per year. If you have minor damage $600 with excess $600, you receive $0 and lose no claims bonus 20% $200 extra premium next year, so not worth claiming. If damage $1,000 with excess $600, you receive $400 but lose no claims bonus $200 and premium increase $100, net $100, not worth. If damage $3,000 with excess $600, you receive $2,400 and lose no claims bonus $200, net $2,200, worth claiming. For example, $5K accident with $600 excess, you receive $4,400, lose no claims discount $300, still worth $4,100 net. For windscreen $500 with $0 excess windscreen cover, worth claiming as no excess and no impact on bonus. So worth making claim on car insurance if damage significantly exceeds excess $500 to $800 and is over $1,500 to $2,000, but not worth for small damage under $1,000 as you pay excess and lose no claims bonus $200 to $900, with excess higher than claim, so pay out of pocket for small $500 to $1,000 damage to keep no claims bonus.