Car reversed into me, what should I do?

[can't remember]

Why are so many of you obsessing over a 3k excess? The 26k policy is what I'm interested in. What were you insuring OP? A Space Shuttle?

[Monkeylegend]

can't remember said:

Why are so many of you obsessing over a 3k excess? The 26k policy is what I'm interested in. What were you insuring OP? A Space Shuttle?

If you read what the OP has said you will get all the answers to your questions.

[Iva Barchetta]

Monkeylegend said:

Iva Barchetta said:

Monkeylegend said:

FOR THE HARD OF HEARING OP'S CAR DOES NOT HAVE ANY DAMAGE. WHY DON'T PEOPLE READ BEFORE POSTING

As you were

Make that......HARD OF READING.....HTH.....

Funnily enough I was going to put hard of reading but didn't think people would as ably demonstrated by this and many other threads

The OP was TLDR for me anyway.....

[can't remember]

Monkeylegend said:

can't remember said:

Why are so many of you obsessing over a 3k excess? The 26k policy is what I'm interested in. What were you insuring OP? A Space Shuttle?

If you read what the OP has said you will get all the answers to your questions.

Alright, but putting it another way, just how bad a history do you have to have to get a 26k policy on a Q7 with a £250 excess? That's why I couldn't get the idea of 26k vanishing on a Q7.

[silverfoxcc]

I refer the honourable OP to the earlier postings about why it is better to reverse park into supermarket spaces

[Monkeylegend]

can't remember said:

Alright, but putting it another way, just how bad a history do you have to have to get a 26k policy on a Q7 with a £250 excess? That's why I couldn't get the idea of 26k vanishing on a Q7.

Now that question is worth asking

[Pothole]

Mrsweet1991 said:

Hi Taz,

I never chose 3k excess

You did, of course, when you decided to run that particular vehicle and took that particular policy.

The correct comprehensive advice has already been given.

[otolith]

silverfoxcc said:

I refer the honourable OP to the earlier postings about why it is better to reverse park into supermarket spaces

Then some dozy bugger will reverse into the front of it instead?

[Mrsweet1991]

Hi all,

Wow i don't think ive ever had such a huge response on a forum! I think i should at least answer some questions even if it is out of curiousity..

So why a 26k policy to get a normal premium? I have 5 claims on my history:

1st 70/30 split - (30% my fault)
2nd returned to car park and someones car scraped rear courter (notification to insurance)
3rd car pulled out and hit front passenger side - non fault
4th guy used engine braking then slammed brakes on so rear ended him.. was fraudelant claim but the third party dropped everything with no explanation but my insurance went against me as they had to call out investigators and what not
5th car scraped car in car park (yes for a second time)

So thats it.. 5 claims 2 of them went against me (30% liability and the other fraudelant)

As for the current issue its now resolved, paid third party in full for repairs and also shopped around and got 1 insurance company willing to do a normal excess of £300 My current excess was not only 3k but also an "All sections excess" meaning the 3k excess is paid regardles of fault or whether i want to claim repairs for my car

So never turned out too bad at all given what it could have been.

[anonymous-user]

can't remember said:

Monkeylegend said:

can't remember said:

Why are so many of you obsessing over a 3k excess? The 26k policy is what I'm interested in. What were you insuring OP? A Space Shuttle?

If you read what the OP has said you will get all the answers to your questions.

Alright, but putting it another way, just how bad a history do you have to have to get a 26k policy on a Q7 with a £250 excess? That's why I couldn't get the idea of 26k vanishing on a Q7.

Someone needs to explain this to me - obviously hard of thinking today

26K mile policy, £26K a year, or the policy is for a car worth £26k!

[swisstoni]

Having read the OP again ....

it seems like details were exchanged and the other vehicle's owner is looking for £250?
And that the OP is worried that payment would be incriminating and liable to encourage further claims.

In this case I would be inclined to call their bluff and tell them to find some other mug.
Just my take - others may have different and better ideas.

If they go through their insurance for £250 they would be nuts. It would cost all concerned more than the cost of the repairs.
But if they do, the OP has no option but to do the same or deny all knowledge. I don't know what happens there ...

Edited by swisstoni on Wednesday 18th January 17:25

[Mrsweet1991]

garyhun said:

Someone needs to explain this to me - obviously hard of thinking today

26K mile policy, £26K a year, or the policy is for a car worth £26k!

I think its all got mixed up, the 26k premium was the lowest price for a normal excess (£250) all the other quotes like the one i took out had a premium of 1.7k but 3k all sections excess (all sections excess meaning i pay 3k excess regardles of fault or whether i want repairs to my car)

[problemchild1976]

a different OP person wrote that last post! no??

seems v strange - the other party clearly thought the Q7 was at fault so was making the claim against

paying the ££ albeit rolling over was prob best of there was a £3k excess even if someone else claimed!

tbh that claim history should never flag up a £26k policy (unless using compare the stupid sand gerbil website)

and i don't think i have EVER seen an excess of £3k on a policy, even when i put my occupation as "Jimmy Saville" but i guess a Q7 could be an expensive fix

glad its sorted

car parks are awful places

JJ

[VladD]

Mrsweet1991 said:

Hi all,

Wow i don't think ive ever had such a huge response on a forum! I think i should at least answer some questions even if it is out of curiousity..

So why a 26k policy to get a normal premium? I have 5 claims on my history:

1st 70/30 split - (30% my fault)
2nd returned to car park and someones car scraped rear courter (notification to insurance)
3rd car pulled out and hit front passenger side - non fault
4th guy used engine braking then slammed brakes on so rear ended him.. was fraudelant claim but the third party dropped everything with no explanation but my insurance went against me as they had to call out investigators and what not
5th car scraped car in car park (yes for a second time)

So thats it.. 5 claims 2 of them went against me (30% liability and the other fraudelant)

As for the current issue its now resolved, paid third party in full for repairs and also shopped around and got 1 insurance company willing to do a normal excess of £300 My current excess was not only 3k but also an "All sections excess" meaning the 3k excess is paid regardles of fault or whether i want to claim repairs for my car

So never turned out too bad at all given what it could have been.

OK, I'm confused. At what point did the person who crashed into you decide that it was your fault? Did they claim this when it happened? If it was 50/50, the most you'd have had to pay was half of the cost.

[NickCQ]

can't remember said:

Monkeylegend said:

can't remember said:

Why are so many of you obsessing over a 3k excess? The 26k policy is what I'm interested in. What were you insuring OP? A Space Shuttle?

If you read what the OP has said you will get all the answers to your questions.

Alright, but putting it another way, just how bad a history do you have to have to get a 26k policy on a Q7 with a £250 excess? That's why I couldn't get the idea of 26k vanishing on a Q7.

OP was 24-5 when insurance was taken out if "1991" in username refers to year of birth - that will explain some of it
/sherlock

[FredAstaire]

you car was stationary, no damage to your car and you've paid the other fella to have his repaired?

[SR20i]

So you've given whoever reversed into you £250? And you say you weren't at fault? One born every minute.

[saaby93]

SR20i said:

So you've given whoever reversed into you £250? And you say you weren't at fault? One born every minute.

I missed that - where was it?

[swisstoni]

Mrsweet1991 said:

Hi all,

Wow i don't think ive ever had such a huge response on a forum! I think i should at least answer some questions even if it is out of curiousity..

So why a 26k policy to get a normal premium? I have 5 claims on my history:

1st 70/30 split - (30% my fault)
2nd returned to car park and someones car scraped rear courter (notification to insurance)
3rd car pulled out and hit front passenger side - non fault
4th guy used engine braking then slammed brakes on so rear ended him.. was fraudelant claim but the third party dropped everything with no explanation but my insurance went against me as they had to call out investigators and what not
5th car scraped car in car park (yes for a second time)

So thats it.. 5 claims 2 of them went against me (30% liability and the other fraudelant)

As for the current issue its now resolved, paid third party in full for repairs and also shopped around and got 1 insurance company willing to do a normal excess of £300 My current excess was not only 3k but also an "All sections excess" meaning the 3k excess is paid regardles of fault or whether i want to claim repairs for my car

So never turned out too bad at all given what it could have been.

Ah. So it was just a load of cobblers and they all lived happily ever after.
Goodnight children

[sparks_E39]

Get a car within your means, knowing how much Q7's cost when they break (which they have a habit) of doing, £3k is nothing.