V60 Accident Damage

[VolvoV50 61]

Evening all,

Unfortunately yesterday my V60 came into contact with a bench at low speed <5mp. As luck would have it, the front left DRL and headlight washer smashed. The bumper will need to be replaced... have attached an image of the damage.

I've taken to the car to Volvo who pointed me in the direction of their approved independent body shop. They've quoted between £800-1000, stipulating damage could be worse once they've removed the bumper for inspection. The estimator said he would likely have to replace the headlight unit (which is totally undamaged) because of a clip used to secure washer bottle or screenwash tube to the headlight washer.

Going down the insurance route unfortunately isn't an option. I entirely appreciate this is my own stupidity but what is the best option for me? Would an independent garage be able to fix the damage?