wakey1512
Member
Registered: 8th Apr 09
Location: Grimsby
User status: Offline
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in my car I just looked down to change the heater and looked back up and the car infront had just stopped and I was very close to it, I had to slam on the brakes and went straight into the back of her at about 10mph
problem. my cars front end is damaged quite a lot, but her cars back bumper is absolutely fine, just a tiny chip at the bottom which you can't even see
she wants 618 for a new bumper, or go through my insurance and claim that way
what should I do? its a lot of money for the bumper but I'm sacrificing my no claims bonus if I claim..
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x14xe sport
Member
Registered: 27th Apr 09
User status: Offline
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how many years no claims you got?
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Depends how much your insurance will be without the no claims doesn't it. If your insurance will go up higher than £618 then pay the £618 or vice versa.
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chrisritch
Member
Registered: 2nd Sep 08
Location: Northants Drives: V40
User status: Offline
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get a qoute from a bodyshop yourself and try and find it cheaper!
£618 is a joke, fucking shitcunt is trying to rip you off
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wakey1512
Member
Registered: 8th Apr 09
Location: Grimsby
User status: Offline
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she said she aint going to a non saab dealer ('backstreet' were her words) and she wants everything doing properly
i have about 6 months no claims, not even a year so it wont make a difference as such but its a claim on my name forever
excess is £250
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Doug
Member
Registered: 8th Oct 03
User status: Offline
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Just go through insurance.
You have nothing to loose and after 5 years typically you do not have to declare past claims.
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x14xe sport
Member
Registered: 27th Apr 09
User status: Offline
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go through insurance you wont lose anything then will just be same price next year,
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Jake
Member
Registered: 24th Jan 05
User status: Offline
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cheeky dutty fucker. go through your insurance mate definately
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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tell her to provide an invoice first to back up what she is saying. Then go get a quote to repair and a quote to replace from el;se where but satisfactory then look at your options
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Doug
Member
Registered: 8th Oct 03
User status: Offline
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Also why is she being slated for going through Saab?
It is her car, she did ask to be crashed in to and it is her right to have it going to a place she is happy with with. You would all do the same....
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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quote:
Originally posted by Doug
Also why is she being slated for going through Saab?
It is her car, she did ask to be crashed in to and it is her right to have it going to a place she is happy with with. You would all do the same....
Agreed tbh. Not her fault and I can't blame her for wanting a dealer to do the work.
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lostboy
Banned
Registered: 29th Jan 09
Location: Durham
User status: Offline
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£618 for a bumper  I didn't even pay that for my car she's trying to rob you, most probably has a credit card bill for £600 and is trying to rob you so she can pay it.
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chrisritch
Member
Registered: 2nd Sep 08
Location: Northants Drives: V40
User status: Offline
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if it was a bmw or merc then i could understand the price but its just a fucking vectra in drag
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Ian_GTI
Member
Registered: 26th Mar 07
User status: Offline
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TBF if someone went into the back of me and i had a descent car ide be argueing exactly the same point as she has, i think shes beeing very fair by giving you the option of not goign throught insurance
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by lostboy
£618 for a bumper I didn't even pay that for my car she's trying to rob you, most probably has a credit card bill for £600 and is trying to rob you so she can pay it.
with it going through insurance i dont see how any of that is relevant?
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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 a chip, offer her £200 for a "back steet garage". She's not even going to get it done if the chip is hidden away and not seen. £200 for nothing.
Point out, even if she claims off your insurance - she will be effected still if she claims.
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Dom
Member
Registered: 13th Sep 03
User status: Offline
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Saab parts are expensive, brother just paid a grand (+lab) for a new front bumper and front strut and that wasn't even from a dealer.
Go through insurance though, you don't really have any NCB to be worth worrying about, it's the cheapest route and it won't really put your insurance come next year.
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Breathecosse
Member
Registered: 11th Jun 09
User status: Offline
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Go through the insurance.
It will probably go to a "back street" garage anyway not many saab dealers have their own bodyshops now
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shaunmods
Premium Member
Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
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Its completly upto her what happens really. If shes had a quote for £600+ I'd just let her go through the insurance if I was in your position.
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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The thing is, she's probably already put in for whiplash etc.
If you do hand her any cash, make sure she signs something to say she has no aches or pains..
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wakey1512
Member
Registered: 8th Apr 09
Location: Grimsby
User status: Offline
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I just checked a one off quote for next year with no no claims and it will be 400 quid more.. insurance is a joke but so is £618 for a bumper
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wakey1512
Member
Registered: 8th Apr 09
Location: Grimsby
User status: Offline
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She is giving me the option to choose wether or not i involve insurance
Its not her car its her hubbys, but she was driving it at the time
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eddiewhiteley
Member
Registered: 10th Mar 05
Location: down in albion
User status: Offline
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remember if you claim then when you get your next policy you will have to declare that you have made a claim, ends up putting your insurance up for years.
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wakey1512
Member
Registered: 8th Apr 09
Location: Grimsby
User status: Offline
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I Have the money, im on 1000 a month and got paid last week, i could give her the money there and then and hopefully thats it
She lives 2 doors down from me!!
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eddiewhiteley
Member
Registered: 10th Mar 05
Location: down in albion
User status: Offline
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id just pay for it, going through the insurance you end up paying for years for one mistake.
i did something similar years back, scuffed up the rear bumper of a focus, paid for a new bumper out of my own pocket as the difference on the insurance each year made it much cheaper to just pay out of my pocket, at least then once its paid you can forget about it.
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