Precisely... they don't say anything to you, thats the idea.
You had a dented front bar - hardly anything anyone would kick up a fuss about.
But what will happen if you have a more serious crash and they question the speed you're going at - then they check out your car and think 'Oh, it's over power to weight its your own fault'.
= Car smashed up, no insurance + losing alot of money
In the end it's your choice mate, but i'd have a careful read of the policies and go over every single detail just to cover yourself - so at least you know what you're in for...