Not an easy position to be in, if you have the work none for £100 and do not wish to make a claim on your insurance, your NCD may well be more then this, you can send the cyclist the bill and take civil action in the county court if she does not pay you. I would notify your insurers even if you do not want to make a claim. Action in the county court is very easy and the staff at your local county court should give you non legal help with your claim, though even if you win you will still have to recover the money yourself the court will not do so.