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Author Topic: Insurance question  (Read 2475 times)

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Markjay

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Insurance question
« on: 08 January 2010, 18:32:12 »
Thanks to the weather conditions, my wife's car now had a crack in the front bumper. I have full-comp, but the excess is £250. Replacing the bumper (at a garage) will obviously cost more...

So what do I do, claim off the insurance and fix it, or save the £250 and just drive with a cracked bumper...?

 :-?
« Last Edit: 08 January 2010, 18:33:02 by markjay »
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Broomies Mate

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Re: Insurance question
« Reply #1 on: 08 January 2010, 18:39:15 »
What car is it fella? 
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Markjay

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Re: Insurance question
« Reply #2 on: 08 January 2010, 18:40:24 »
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What car is it fella? 

Renault, MY 2005
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tunnie

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Re: Insurance question
« Reply #3 on: 08 January 2010, 18:40:34 »
SWMBO's fault i guess, no other parties involved?

Depends on what car, and bumper costs from a breaker....
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waspy

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Re: Insurance question
« Reply #4 on: 08 January 2010, 18:40:51 »
Can't you fix it your self?
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TheBoy

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Re: Insurance question
« Reply #5 on: 08 January 2010, 18:42:10 »
Insurance wise, you'll pay (not just in lost NCD, but also as a higher risk) for 5yrs
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Markjay

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Re: Insurance question
« Reply #6 on: 08 January 2010, 18:45:15 »
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Can't you fix it your self?

No...  :(

My health isn't what it used to be... sadly a year ago I had to give up DIY... of all sorts. Climbing a ladder to change a light bulb is the most I can do this days - just...

On the bright side I am on the mend, but it will take a some time to get there.

So giving my hard earned cash to the stealers is my only option....  >:(
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Markjay

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Re: Insurance question
« Reply #7 on: 08 January 2010, 18:51:17 »
Quote
Insurance wise, you'll pay (not just in lost NCD, but also as a higher risk) for 5yrs

I had to report the accident because there was a third party involved, and it was NOT their fault (I think you can picture what happened... snow+ice+brake+crackedfrontbumper.)

Insurance said that because we already 'suffer' due to the pay-out to the third party, we don't get penalised any further if we chose to fix our own car, the only cost to us at this point will be the excess. This is why the repair is tempting - if there was no third party involved I wouldn't even consider claiming off the insurance. I did this mistake with my first Omega, someone crashed into the rear wing while the car was parked and took off, I claimed and found out that what I paid in following years in increased premiums was far more than the cost of the repair... >:(

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TheBoy

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Re: Insurance question
« Reply #8 on: 08 January 2010, 19:03:18 »
Quote
Quote
Insurance wise, you'll pay (not just in lost NCD, but also as a higher risk) for 5yrs

I had to report the accident because there was a third party involved, and it was NOT their fault (I think you can picture what happened... snow+ice+brake+crackedfrontbumper.)

Insurance said that because we already 'suffer' due to the pay-out to the third party, we don't get penalised any further if we chose to fix our own car, the only cost to us at this point will be the excess. This is why the repair is tempting - if there was no third party involved I wouldn't even consider claiming off the insurance. I did this mistake with my first Omega, someone crashed into the rear wing while the car was parked and took off, I claimed and found out that what I paid in following years in increased premiums was far more than the cost of the repair... >:(

as you're taking the insurance hit anyway.....
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MickAP

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Re: Insurance question
« Reply #9 on: 08 January 2010, 19:18:41 »
Haven't you got protected NCD, in other words some companys don't increase you premium on renewal, or do they? And sometimes you're allowed more than one claim in so many years and all that :y

Mick
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Lazydocker

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Re: Insurance question
« Reply #10 on: 08 January 2010, 19:41:48 »
The third party are going to claim so let the insurance company sort it :y :y :y
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KillerWatt

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Re: Insurance question
« Reply #11 on: 08 January 2010, 21:11:43 »
Quote
So what do I do, claim off the insurance and fix it, or save the £250 and just drive with a cracked bumper...?

 :-?
As TB says, claim for it and you will pay through the nose for years.

If it gets to you that much, why not just have it welded back up and painted yourself?
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Lazydocker

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Re: Insurance question
« Reply #12 on: 08 January 2010, 21:31:30 »
Quote
Quote
So what do I do, claim off the insurance and fix it, or save the £250 and just drive with a cracked bumper...?

 :-?
As TB says, claim for it and you will pay through the nose for years.

If it gets to you that much, why not just have it welded back up and painted yourself?

But he's going to be claiming on his insurance anyway for the third party damage and, inevitable, whiplash claims in this litigious society ::) ::) so he may as well get it repaired ;) ;)
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KillerWatt

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Re: Insurance question
« Reply #13 on: 08 January 2010, 21:44:57 »
Quote
Quote
Quote
So what do I do, claim off the insurance and fix it, or save the £250 and just drive with a cracked bumper...?

 :-?
As TB says, claim for it and you will pay through the nose for years.

If it gets to you that much, why not just have it welded back up and painted yourself?

But he's going to be claiming on his insurance anyway for the third party damage and, inevitable, whiplash claims in this litigious society ::) ::) so he may as well get it repaired ;) ;)
3rd party claim or not...protected no claims or not..he will pay in the long run.

As for the whiplash injury... pffft......that's the sort of crap that pushes all of our insurance up every year.
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Lazydocker

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Re: Insurance question
« Reply #14 on: 08 January 2010, 21:51:39 »
Quote
Quote
Quote
Quote
So what do I do, claim off the insurance and fix it, or save the £250 and just drive with a cracked bumper...?

 :-?
As TB says, claim for it and you will pay through the nose for years.

If it gets to you that much, why not just have it welded back up and painted yourself?

But he's going to be claiming on his insurance anyway for the third party damage and, inevitable, whiplash claims in this litigious society ::) ::) so he may as well get it repaired ;) ;)
3rd party claim or not...protected no claims or not..he will pay in the long run.

As for the whiplash injury... pffft......that's the sort of crap that pushes all of our insurance up every year.

The premium will already be loaded... A bumper repair will make no difference whatsoever.

And I agree with you (for once ;D ;D) about the whiplash....... But I bet there's a claim put in ;) ;)
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