triggz
Member
Registered: 9th Jul 03
Location: Grays, Essex
User status: Offline
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ill start off with my story and ill make it as short as i can
I went into college today at 11pm done my class then went back to my car at 12 to find loads of glass all over the place which had come from my passanger side window, ok i thought some fuckers a bit jealous and smashed a window, only to find that my head unit had been stolen as well as 20 odd drum and bass CD's, also not only that they also decided to put a big scratch down the side of the door, I kinda thought to myself if i had any enemies that would do this but i dont, i also found it funny in a weird way that my Clifford concept 300 alarm i think it is, didnt go off at all and all the doors were open esp since i armed it so they were locked so thats what happend
now i need your help
im only 18 and have been driving nearly 1 year and paid £1550 for insurance, and my renewal should be coming up soon, i have contacted the police and insurance company, and the police are ment to be coming round tomorrow to look at it and take finger prints etc (like that will help) anyway shall i just claim from the insurance and get my window and head unit which is worth about £200 and remove the scratch AND lose my no claims bonus, or i think this is the best thing to do, which will be to go out and fix the window and get a new headset myself and leave the scratch and then keep my no claims bonus for my first year as im told it can go down quite a bit with no claims bonus
any advice???
thanks
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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How much is your excess?
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triggz
Member
Registered: 9th Jul 03
Location: Grays, Essex
User status: Offline
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£150 :/
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Corsa Sport Gav
Member
Registered: 12th Feb 03
Location: Durham, County Durham Drives: A6 Allroad
User status: Offline
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can u not get sum muni from the ppl tht fitted ur alarm as it didnt go off?
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Ok well probably looking at about £300 damage if you do it on the cheap - fix yourself and leave ins and NCB - Harsh it is but will be worth the saving after 1st years NCB.
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triggz
Member
Registered: 9th Jul 03
Location: Grays, Essex
User status: Offline
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when i bought the car the alarm was already fitted i could look into it tho as the person that i bought it from is a member here, also im not sure if it didnt go off but if it did it was probably quickly disabled
thx for the advice m8
[Edited on 08-12-2004 by triggz]
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corsa-sxi
Member
Registered: 11th Jul 03
Location: Kingston upon Hull
User status: Offline
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i would pay ur excess for window dmg £50 i think?> then pay the rest yourself, dnt let insurance company know, if u do, its on record for 3-5 years 
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nik
Member
Registered: 19th Jun 00
User status: Offline
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dont go through insurance
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Corsa Sport Gav
Member
Registered: 12th Feb 03
Location: Durham, County Durham Drives: A6 Allroad
User status: Offline
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quote:
Originally posted by triggz
when i bought the car the alarm was already fitted i could look into it tho as the person that i bought it from is a member here, also im not sure if it didnt go off but if it did it was probably quickly disabled
thx for the advice m8
[Edited on 08-12-2004 by triggz]
if it had gone off wen u disarm it, it will hav did a certain amout of beeps to alert you which sensor had gone off, liek on mine 3 beeps is Doors n boot i think
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triggz
Member
Registered: 9th Jul 03
Location: Grays, Essex
User status: Offline
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i think it was already disarmed because the doors were unlocked when i pressed the alarm button the doors locked and the alarm beeps twice which means its locked and armed
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Corsa Sport Gav
Member
Registered: 12th Feb 03
Location: Durham, County Durham Drives: A6 Allroad
User status: Offline
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o right someelse might beabler to help you tho, hope u get it sorted
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Richie
Member
Registered: 3rd Dec 02
Location: Newport, Wales
User status: Offline
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then u forgot to arm it
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triggz
Member
Registered: 9th Jul 03
Location: Grays, Essex
User status: Offline
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i didnt forget to arm it i know that for sure, and even if i did it automaticly arms after 20 seconds, and if it was unlocked they wouldnt of need to smash the window
[Edited on 08-12-2004 by triggz]
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ljames555
Member
Registered: 2nd Sep 03
User status: Offline
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sorry to hear that mate, in my opinion dont claim get yourself a Yrs no claims bonus and fix it yourself.
seems like the scruffy chavs have started upping there car thefts etc to buy pressies for little ronnie and the 20 other kids they have
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triggz
Member
Registered: 9th Jul 03
Location: Grays, Essex
User status: Offline
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Thanks for all your V Quick replys, i think im gonna fix it myself and get my no claims for next year should work out a bit cheaper, how much does any of your insurance go down after 1yr NCB?
thanks again
triggz
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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33% after 1st year I think.........mine went down 1700 to 1100
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Nick A
Member
Registered: 28th Nov 04
Location: Hertfordshire
User status: Offline
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is your corsa modified in any way??? dont claim mate, just wondering!
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Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
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mine was done today aswell
http://www.corsasport.co.uk/board/viewthread.php?tid=185649
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triggz
Member
Registered: 9th Jul 03
Location: Grays, Essex
User status: Offline
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yeah it is modded a bit lexus lights duel exhaust and alloys
which they dont know about, also do you ppl tell you insurance company about all ur mods?? i couldnt get insured if i told them it wasnt standard from most companies
[Edited on 08-12-2004 by triggz]
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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Was there more than one beep when you disarmed it? There should be, if not, then someone is either very good at disarming car alarms, or has a copy of your remote fob etc...
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triggz
Member
Registered: 9th Jul 03
Location: Grays, Essex
User status: Offline
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i didnt need to disarm it :/ it was already open and disarmed when i got to it, and im pretty sure no one has another key fob, and when i locked it it was the normal two beeps also with my car in the garage atm with no window, the alarm isnt sounding or anything, my motion sensors in the car must be broke or something cos they normally go off even if u walk past the glass near it :/
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broster
Premium Member
Registered: 6th Dec 02
Location: Drives: E39
User status: Offline
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wouldnt claim on insurance mate, will cost you alot in the long run
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Stuckey
Member
Registered: 5th Jun 02
Location: Plumstead, Greater London
User status: Offline
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if it was unlocked they would not smash the window
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Dan B
Member
Registered: 25th Feb 01
User status: Offline
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Unless you got a special deal, the Clifford warranty for claiming if the car is broken into only covers the original purchaser of the alarm-system. From what I understand, that warranty doesn't extend to the next owner of the car...
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triggz
Member
Registered: 9th Jul 03
Location: Grays, Essex
User status: Offline
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ok people thanks for all your replys im gonna fix it all myself and get myself a stereo with a removable face should stop ppl in future unless they are going for me speakers
thanks for all ya advice
triggz
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