calidus
Member
Registered: 27th Oct 02
Location: Lincoln
User status: Offline
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been to see oasis tonite in manc land, was a good nite but came back to car and window was smashed and cd player has gone, as has cds obviously...they also relieved my boot of my nike air max, cds(I kept all cds in there and stereo front under the carpet!) and a coat from the boot  I think i will be claiming for this little lot as it is a fair bit more than the excess, the cd player weighs in at more than the excess itself.
I have never claimed for anything before, will i need a full list of cds? I cant remembe specific cds although i will know wots missing when i get home and see the blank cases... my main concern..is glass, as any car i known to get broken into the glass has stayed. it gets everywhere any info on what i need to make my clai would be beneficial...I considered screwing them for everything I can but it dont sound feasable as the car is standard so why would it have a big multimedia set up? I was planning on claiming for cd player, cds, amp n sub, trainers n coat, they leeft the parcel shelf :S
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Rob B
Member
Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline
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Sorry to hear that mate atleast the ydidnt do anymore damage than a window like bend your door.
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James@CCC
Member
Registered: 10th Nov 03
Location: Eaton Bray, Bedfordshire
User status: Offline
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is it really going to be worth it? you have to think beyond just the excess but to losing your no claims bonuses
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broster
Premium Member
Registered: 6th Dec 02
Location: Drives: E39
User status: Offline
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making a claim will raise your insurance a fair bit for 3 years to come.....will that cost more than a cd player....i think so.
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Adam-D
Member
Registered: 11th May 02
Location: Cheshire
User status: Offline
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barstards
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calidus
Member
Registered: 27th Oct 02
Location: Lincoln
User status: Offline
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bent door on the pillar a bit and the paints all cracked from it, cd player is gone, not a very cheap one either, bout 60 cds have gone, all original albums plus a few copies... I dont have any no claims after this month would be my first year of no claims as i had a phase where I did not ned to drive four bout 9 months so cancelled policy.
I will get an incident number and look into how much my excess is, i know alot of you guys may not think its worth it but i do not earn enough to afford to replace EVERYTHING so easily...
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schoey
Member
Registered: 29th Jun 05
Location: Billinghay, Lincolnshire
User status: Offline
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thats not very handy mate. dont know what to suggest to be honest. counds like everything would be way more than the excess, so aslong as you dont mind having no, no claims again go for it. Could the citizens advice bureau help at all?
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RKS
Member
Registered: 2nd Mar 04
Location: Gloucestershire UK
User status: Offline
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your insurance will only cover you on a certain amount of possessions inside the car, im not sure what this figure comes to, and probably differs with different insurers, however i would assume you will need reciepts for everything you are claiming for to prove how much you paid for it and that you actually had it,
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M2RTY
Member
Registered: 25th May 01
User status: Offline
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no way on earth would i make a claim for a cd player and some cds
buy a 2nd hand one, copy some cds and save yourself increased premiums for the next few years
some insurers wont touch you if you have a claim AND its a hell of a lot of hassel to provide all the valuations of the gear and actually get the money (if any)
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RKS
Member
Registered: 2nd Mar 04
Location: Gloucestershire UK
User status: Offline
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also they may not pay out because the facia was under your carpet,
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Rob B
Member
Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline
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well you dont tell them that bit do you.
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M2RTY
Member
Registered: 25th May 01
User status: Offline
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quote:
Originally posted by Rob B
well you dont tell them that bit do you.
and they ask for it back
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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u can only claim for a certain amount worth of belongings in the car
think mine is £200 max. - check ur insurance details - u may not get newhere enar what they were worth and still have an excess to pay
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RobHayes
Member
Registered: 6th Sep 03
Location: Lincolnshire
User status: Offline
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my insurance has upto £1k of audio equipment cover 
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