Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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I have protected no claims on a fully comp policy. My car needs £600 worth of paint doing now through a brick coming off a lorry, dickheads that throw doors into it, a cracked wing mirror and a keyed wing.
Will it effect my Premium much if i throw the car in on the insurance?
Why pay £600 out when i can pay £70 excess!
Advice here dudes..
I have a crime number for the keyed wing.
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*JonnyG*
Member
Registered: 2nd Jun 08
Location: Lincolnshire
User status: Offline
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your insurance will go on, seein as you've claimed surely not?
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Richardhhha
Member
Registered: 29th Sep 07
Location: Croydon, Greater London
User status: Offline
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personaly i wouldnt as they would put it down as a cat d wright off with that much damage... what wing got duffed? you can get a paintless dent removal company to do the parking dents, wing mirror do yourself what other damage is there?
[Edited on 21-06-2009 by Richardhhha]
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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it's an 07 plate car dude. Books in at just under 5k at the moment.
Had a couple of these dent companies look at the creases. They can't really be pulled out 
Dents need pulling out and a bit of filler, bonnet needs pulling out and again some filler and the wing needs painting.
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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That claim will be with you for 5 years, ytou could end up paying over £600 in iinsurance increase over 5 years.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by pow
That claim will be with you for 5 years, ytou could end up paying over £600 in iinsurance increase over 5 years.
^^ Ditto.
You will pay for it in the end either way so you might as well throw it on a credit card if you cant afford it and pay it off slowly.
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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Not if he has protected no claims it shouldn't.....
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noshua
Member
Registered: 19th Nov 08
User status: Offline
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If you're protected, probably be better of going through insurance.
How come the company who own the brick company aren't paying for it?
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swill_omnibus
Member
Registered: 12th Dec 07
Location: : S. wales Drives: Dodge Caliber
User status: Offline
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Even if your protected you keep your NCD but still pay a higher premium because you've claimed.
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PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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To be fair, even on a 5k car, you still risk it becoming a Cat D.
Even with protected NCB, you will still be penalised for the 5 years which the claim stays with you.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Get a quote for next year with the claim and see what it costs extra, at 27 years old I doubt it will amount to 600 over the 3 years that most companies ask about crashes for.
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_Allan_
Member
Registered: 24th Mar 04
User status: Offline
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Yep I agree with John, I'd have thought after 25, an accident/vandalism claim will make little difference in premium each year.
If it's bothering you that much go through the insurance or wait for a couple of weeks/months and save up the cash to get it done.
[Edited on 21-06-2009 by _Allan_]
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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They might charge you a little more, but still nothing like as expensive as without being protected and I also can't see it adding up to more than £600 over 5 years.
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swill_omnibus
Member
Registered: 12th Dec 07
Location: : S. wales Drives: Dodge Caliber
User status: Offline
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Protected only mean you can make say 1 claim in 3 years without losing your NCD benefit. Doesn't say anything about price not going up as it's still a claim. Granted at 25+ prob won't be much difference but it'll still go up.
[Edited on 21-06-2009 by swill_omnibus]
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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I wrote my Corsa off last year with 4 years protected no claims. Made absolutely no difference to my next premium. In fact I'm now paying less on a more expensive car as the insurance company (strangely) added another years no claims to my policy.
I can make up to 3 claims in 3 years and still retain full NCB. Only the 4th claim in 3 years and I'll loose it.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by swill_omnibus
Even if your protected you keep your NCD but still pay a higher premium because you've claimed.
As above..
Non fault calims on 3rd parties 'technically' shouldnt affect you but some times they do .. A non-fault claim on your own policy will affect you because clearly you are a higher risk if you have been targetted before .. Try some online quotes with and without a 600 quid claim for vandalism.
[Edited on 21-06-2009 by DaveyLC]
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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My renewal is due in September. I'm thinking of renewing and then a month into the policy claim.
Am i correct in thinking that if i pay the insurance in full, they will then only charge me the excess?
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CorsAsh
Member
Registered: 19th Apr 02
Location: Munich
User status: Offline
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Correct. But it seems like a load of hassle for little gain.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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elephant only add on £50 for a claim on my insurance.
£50 x 5 is 250 quid. worth it if you ask me.
oh and elephant on ask for claims up to 3 years too 
[Edited on 21-06-2009 by Ben G]
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John
Member
Registered: 30th Jun 03
User status: Offline
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It's not even 5 years, very few ask for 5 years worth of accidents, normally 3.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by John
It's not even 5 years, very few ask for 5 years worth of accidents, normally 3.
yeah, just wrote that in my reply before you replied 
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John
Member
Registered: 30th Jun 03
User status: Offline
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I probably wouldn't claim for what andrew is talking about but that's only because I'm brainwashed into thinking it makes your insurance go up loads for the next 3 years even though I know from experience it doesn't
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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How will they fix it if its all from different instances 
I cant see them agreeing to sort all the niggly little bits youve had fucked while driving to work they'll send out an assessor who will give your claim the big get fucked stamp!!
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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quote:
Originally posted by Colin
How will they fix it if its all from different instances
Big scratch around the whole car done by the little bastards in my street 
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Yeah because insurance companies are really that gullable!!
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