Omega Owners Forum
Chat Area => General Car Chat => Topic started by: Steve B on 10 January 2014, 19:56:49
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my omega rear bumper came into contact with another cars bumper today in marks & spencers car park.
The damage to the other car is no dents but more a scuff where our bumpers rubbed together.
I am the one at fault, So i said to the woman get a price for the paint job and tell me the price and i will sort it out.
No she replied my husband wont do it like that,We like to do it through the insurance.
I gave her my name address etc and we said goodbye.
But the downside of this is i have 11 years no claims.(un-protected)
You can imagine the damage to the other car on looking at mine.
(http://my omega rear bumper came into contact with another cars bumper today in
marks & spencers car park.
The damage to the other car is no dents but more a scuff where our
bumpers rubbed together.
I am the one at fault, So i said to the woman get a price for the paint
job and tell me the price and i will sort it out.
No she replied my husband wont do it like that,We like to do it through
the insurance.
I gave her my name address etc and we said goodbye.
But the downside of this is i have 11 years no claims.(un-protected)
You can imagine the damage to the other car on looking at mine.
[img]http://lookpic.com/O/i2/234/WdKNoVX1.jpeg)
(https://dl.dropboxusercontent.com/u/70807181/bumper.JPG)
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Pop round there later, about 2 am with some T cut and polish :y when they get the car assessed, there won't be a mark on it :-X
Seriously though, did you take pictures of their damage? Worth a chat with the husband? Assume they live relatively local to you :-\
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Pop round with your policy so he knows your insured and have a polite word.
Explain that even though its your fault and any claim will come of your policy, BOTH of you will suffer when it comes to renewal time so suggest you both take his car round to a local decent paint shop and let them sort it out with you picking up the bill ;)
He would be a fool not to agree ;)
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Pop round there later, about 2 am with some T cut and polish :y when they get the car assessed, there won't be a mark on it :-X
Seriously though, did you take pictures of their damage? Worth a chat with the husband? Assume they live relatively local to you :-\
Had a word with him tonight on phone, Seemed well into insurance procedure, Said it be best if he goes through his insurance, who will then go through mine,Who will then give me a option to pay the bill.
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Did you get a picture or two of their car/damage? Just in case it has an unfortunate conversation with a gatepost/wall/fence before an assessor sees it :-\
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I done that :y
Got him to go to a body shop today.
(https://dl.dropboxusercontent.com/u/70807181/photo1.jpg)
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Insurance job? For that? :o
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Insurance job? For that? :o
I expect they're planning a whiplash claim!! ::) >:(
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Insurance job? For that? :o
That would take a Chips Away type person half an hour to deal with at most :o
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Pop round there later, about 2 am with some T cut and polish :y when they get the car assessed, there won't be a mark on it
Brilliant ;D :y
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Looking at the pic, you'd almost get away with it too :-X
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Well this is how it ended.. ;D ;D He took it to a body shop and they told him £150
He came around here and i handed him £150 and he signed a letter thingy the wife drafted up..
two hours later he txt me to say he got a better price of £130 from chips away (mentioned above) And that he is going to nip around to refund me £20
Told him to keep it for his running around,but he wont have that...
Sorted well happy :y :y
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Well this is how it ended.. ;D ;D He took it to a body shop and they told him £150
He came around here and i handed him £150 and he signed a letter thingy the wife drafted up..
two hours later he txt me to say he got a better price of £130 from chips away (mentioned above) And that he is going to nip around to refund me £20
Told him to keep it for his running around,but he wont have that...
Sorted well happy :y :y
£130 is the standard price from chips away for one panel. I've had a very small scrape and quite a big scuff, both £130.
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is he the most honest guy in uk :y
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Well this is how it ended.. ;D ;D He took it to a body shop and they told him £150
He came around here and i handed him £150 and he signed a letter thingy the wife drafted up..
two hours later he txt me to say he got a better price of £130 from chips away (mentioned above) And that he is going to nip around to refund me £20
Told him to keep it for his running around,but he wont have that...
Sorted well happy :y :y
£130 is the standard price from chips away for one panel. I've had a very small scrape and quite a big scuff, both £130.
That's twice as much as your car is worth Steve ;D
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Notr that many honest people about nowdays. Must be a good christian motorist
keith B
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And there was me being all cynical about a possible whiplash claim! :-[ ::) ;D
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He was very posh and well to do like STEMO :y
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Well this is how it ended.. ;D ;D He took it to a body shop and they told him £150
He came around here and i handed him £150 and he signed a letter thingy the wife drafted up..
two hours later he txt me to say he got a better price of £130 from chips away (mentioned above) And that he is going to nip around to refund me £20
Told him to keep it for his running around,but he wont have that...
Sorted well happy :y :y
£130 is the standard price from chips away for one panel. I've had a very small scrape and quite a big scuff, both £130.
That's twice as much as your car is worth Steve ;D
How very dare you! Why aren't you a pikey any more?
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He was very posh and well to do like STEMO :y
Yep.
Or ...maybe....no. ;D
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AND THE MORAL OF THIS STORY IS??
Get that no claims discount protected...now.
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A guy ran into my son's Merc. Son thought damage wasn't too bad - took it to body shop but because of Mercedes parts prices estimate was £1700 with only a small charge for labour. Guy paid cash £1700 to the garage in advance.
He had insurance as well so no idea what was going on there.
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AND THE MORAL OF THIS STORY IS??
Get that no claims discount protected...now.
Think your dead right STEMO. :y Ive had a cheap lucky escape this time. round :y
At the moment im paying £207 yr fully comp on a 2002 2.2 omega
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AND THE MORAL OF THIS STORY IS??
Get that no claims discount protected...now.
Think your dead right STEMO. :y Ive had a cheap lucky escape this time. round :y
At the moment im paying £207 yr fully comp on a 2002 2.2 omega
I think I paid something silly like £12 to protect my 9 years.
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AND THE MORAL OF THIS STORY IS??
Get that no claims discount protected...now.
Think your dead right STEMO. :y Ive had a cheap lucky escape this time. round :y
At the moment im paying £207 yr fully comp on a 2002 2.2 omega
Lucky you ;D
£420 here cheapest I could get :(
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AND THE MORAL OF THIS STORY IS??
Get that no claims discount protected...now.
Think your dead right STEMO. :y Ive had a cheap lucky escape this time. round :y
At the moment im paying £207 yr fully comp on a 2002 2.2 omega
Lucky you ;D
£420 here cheapest I could get :(
Got mine reduced from £238 to £188 after i complained at Swinton in Thetford and for the same policy. :)
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Glad to hear it worked out OK.
My opinion insurance is a total rip-off anyway. My protected no claims probably isn't worht the bother at all. Back a couple of years ago, some low life walked into the road in fornt of me doing on of those heel-dragging walks just to p me off. I was going slowly anyway so to try to have his desired effect the thing decided then to walk down the road until arriving at his car. sadly for him still no effect. finally he opened his door into the side of my car as I passed! Insurance agreed not my fault and after an argument about why I should WRITE OFF my mint Omega for his neglegence they sorted it out. When I went to get reinsured they had recorded the claim as bing against me!!!! When that was sorted they wanted to drastically increase the premium. Where does protection of NCD come in to that? They weren't able to give any answer...
Always best to keep away from claims I'd say as anything they pay you'll return for years to come despite protected NCD! :(
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Glad to hear it worked out OK.
My opinion insurance is a total rip-off anyway. My protected no claims probably isn't worht the bother at all. Back a couple of years ago, some low life walked into the road in fornt of me doing on of those heel-dragging walks just to p me off. I was going slowly anyway so to try to have his desired effect the thing decided then to walk down the road until arriving at his car. sadly for him still no effect. finally he opened his door into the side of my car as I passed! Insurance agreed not my fault and after an argument about why I should WRITE OFF my mint Omega for his neglegence they sorted it out. When I went to get reinsured they had recorded the claim as bing against me!!!! When that was sorted they wanted to drastically increase the premium. Where does protection of NCD come in to that? They weren't able to give any answer...
Always best to keep away from claims I'd say as anything they pay you'll return for years to come despite protected NCD! :(
You are still getting your NCD, its just your risk is much higher (as you've had a claim). Imagine how much you'd get stung if you had lost 2yrs NCD as well ;)
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Glad to hear it worked out OK.
My opinion insurance is a total rip-off anyway. My protected no claims probably isn't worht the bother at all. Back a couple of years ago, some low life walked into the road in fornt of me doing on of those heel-dragging walks just to p me off. I was going slowly anyway so to try to have his desired effect the thing decided then to walk down the road until arriving at his car. sadly for him still no effect. finally he opened his door into the side of my car as I passed! Insurance agreed not my fault and after an argument about why I should WRITE OFF my mint Omega for his neglegence they sorted it out. When I went to get reinsured they had recorded the claim as bing against me!!!! When that was sorted they wanted to drastically increase the premium. Where does protection of NCD come in to that? They weren't able to give any answer...
Always best to keep away from claims I'd say as anything they pay you'll return for years to come despite protected NCD! :(
That sounds wrong if you had paid the extra for the protection
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NCD gives a discount off the premium, no more, no less.
The following figures are EXAMPLES only, I have no idea of the present figures applied by insurance companies.
Lets say your NCD entitles you to 40% discount, when your "risk" is assessed your premium could be set at £400, so you pay £240 (£400- 40%)
You have an accident, your "risk" increases, so your new premium is £500.
If you had lost your NCD you would pay £500
If your NCD was "protected" you still get 40% discount so you now pay £300 (£500-40%)
So, your "protected" NCD has "saved" you £200, even though your actual premium has risen £60.
What annoys me is that simply because someone hits me when stationary, MY risk is seen to have increased !!
or the latest stupidity, that the risk of the clit being in an accident has increased because it is a cat D car .... how can that change the risk of an accident ???
:(
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Yes I understand the intended logic of the argument but sinically I'm not prepared to believe that whatever they pay out they'll get back with interest from you.
What about this element of the cost of insurance. Because of my proximity to the B11 post code where apparently according the the BBI circa 50% of cars are uninsured... I GET TO PAY EXTRA for the increased liklihood that I'll come in to contact with THEM!
I'd go on but it would just be ranting for its own sake. Why bother to enforce the law when you can get actual plebs to pay up instead... >:(
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Two cars had an off side coming together outside our house.
One car spun round and caught the bumper of my car which was parked on the pavement.
The car is a Vectra Estate, the bumper popped off the clips and it gouged and scratched the paint and cracked the back light.
The accident wrote off the other two cars which means a big insurance claim.
If I claim off the insurance the odds are they will right off my 02 Vectra which to be honest is worth about £500.
I have done a fair bit of work on it and don't want to lose it. I have a £300 excess which means I would get a couple of hundred pounds if they paid out, even though I would eventually get my excess back.
Because of the write off of the other cars the driver has said deal with the insurance company.
I have decided to swallow the bill and repair it myself.
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Sadly the best financial long term solution.... Not fair that your pride and joy should be written off for a few quid and for absolutely no fault of yours. crappy system I'd say...
Just a thought that being parked on the path, you probably weren't really insured as I recon if they wanted to they'd say bye-law XXX ...driving or keeping of a vehicle on the pavement... :(
Keep up the good fight :-\
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Being not your fault, your excess is irrelevant... doesn't mean they won't write the car off. :'(
Self repairing is the best way around that... Keep receipts for your repair costs, ie parts and materials etc. Make sure you car is noted as involved, and explain to third party insurers that you will be claiming for your costs which have directly resulted from their insured, and go from there :y
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I had a quote for £2500 to repair mine!
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I had a quote for £2500 to repair mine!
That's cheap :o not had an estimate for proper damage that was less than £4500 ::)