Scam Insurance Claims. How much to repair this?
Discussion
And how to fight back?
I've just had my renewal through, and due to the increases I asked why such a tiny previous claim would have such a bearing on my policy.
This was two years ago, and I've only just found out the cost.
So how much would you recon the cost of this claim was?
Bearing in mind full liability was admitted so no time wasting on my side.
Basically, I missed a gear when pulling away and my car rolled in to it at less than walking pace.
The Audi was parked at the side of the road so no personal injury or whiplash claims.
Following the conversation with my broker, he has decided to report it the insurer it as a potentially fraudulent claim!
I've just had my renewal through, and due to the increases I asked why such a tiny previous claim would have such a bearing on my policy.
This was two years ago, and I've only just found out the cost.
So how much would you recon the cost of this claim was?
Bearing in mind full liability was admitted so no time wasting on my side.
Basically, I missed a gear when pulling away and my car rolled in to it at less than walking pace.
The Audi was parked at the side of the road so no personal injury or whiplash claims.
Following the conversation with my broker, he has decided to report it the insurer it as a potentially fraudulent claim!
Edited by sim16v on Wednesday 23 January 13:58
I'd say £1500. But if you caught his wheel that could be £150 more for refurb.
Slight off topic, but how can missing a gear mean you end up rolling back into a parked car? Surely missing a gear implies it was a first to 2nd gear change, so at say 10mph, misses 2nd, car rolls on at 8mph, 7mph, 6mph, to zero mph.....then -1mph, -2mph (ie backwards....). Presumably you missed the brake as well as the gear! lol I don't get how this happened? Unless you reversed toward it, tried to wack it into first before being stationary, and then it carried on backwards into the parked car?
Slight off topic, but how can missing a gear mean you end up rolling back into a parked car? Surely missing a gear implies it was a first to 2nd gear change, so at say 10mph, misses 2nd, car rolls on at 8mph, 7mph, 6mph, to zero mph.....then -1mph, -2mph (ie backwards....). Presumably you missed the brake as well as the gear! lol I don't get how this happened? Unless you reversed toward it, tried to wack it into first before being stationary, and then it carried on backwards into the parked car?
Edited by poo at Paul's on Wednesday 23 January 15:01
poo at Paul's said:
Slight off topic, but how can missing a gear mean you end up rolling back into a parked car? Surely missing a gear implies it was a first to 2nd gear change, so at say 10mph, misses 2nd, car rolls on at 8mph, 7mph, 6mph, to zero mph.....then -1mph, -2mph (ie backwards....). Presumably you missed the brake as well as the gear! lol I don't get how this happened? Unless you reversed toward it, tried to wack it into first before being stationary, and then it carried on backwards into the parked car?
Yes, this is the important detail that needs to be addressed on this thread.poo at Paul's said:
I'd say £1500. But if you caught his wheel that could be £150 more for refurb.
Slight off topic, but how can missing a gear mean you end up rolling back into a parked car? Surely missing a gear implies it was a first to 2nd gear change, so at say 10mph, misses 2nd, car rolls on at 8mph, 7mph, 6mph, to zero mph.....then -1mph, -2mph (ie backwards....). Presumably you missed the brake as well as the gear! lol I don't get how this happened? Unless you reversed toward it, tried to wack it into first before being stationary, and then it carried on backwards into the parked car?
Not wanting to drag this "issue" out, but he doesn't say he rolled back into it... Driving out, misses 2nd and while flustered (maybe even looked down at gearstick) didn't notice he wasn't making a tight enough turn and nudged the audi.Slight off topic, but how can missing a gear mean you end up rolling back into a parked car? Surely missing a gear implies it was a first to 2nd gear change, so at say 10mph, misses 2nd, car rolls on at 8mph, 7mph, 6mph, to zero mph.....then -1mph, -2mph (ie backwards....). Presumably you missed the brake as well as the gear! lol I don't get how this happened? Unless you reversed toward it, tried to wack it into first before being stationary, and then it carried on backwards into the parked car?
Edited by poo at Paul's on Wednesday 23 January 15:01
Dicky Knee said:
I'm not a panel beater But I'll play. Its probably an aluminium wing so they will replace it.
Parts £500
Labour £500
Paint £400
Sundries £100
VAT £300
TOTAL £1800
They may also claim for a few days car hire so all in £2300?
Just noticed water under the car. Could have split the windscreen washer reservoir as well so you could add on another couple of hundred.
Parts £500
Labour £500
Paint £400
Sundries £100
VAT £300
TOTAL £1800
They may also claim for a few days car hire so all in £2300?
Just noticed water under the car. Could have split the windscreen washer reservoir as well so you could add on another couple of hundred.
A bit more info.
It was an A5 TDI, so doubt it would have an aluminium wing?
I reversed out of a tight driveway in a ropey old classic with dodgy brakes and clutch/gearbox.
Thought I'd selected first went to pull away and car rolled back before I could stop it.
Only point of contact was the wing, wheel was already corroded.
It was an A5 TDI, so doubt it would have an aluminium wing?
I reversed out of a tight driveway in a ropey old classic with dodgy brakes and clutch/gearbox.
Thought I'd selected first went to pull away and car rolled back before I could stop it.
Only point of contact was the wing, wheel was already corroded.
Depends who handled the Third Party claim.
Was the whole thing handled by an Accident Management Company? If so, the repair would have been on a credit basis, there may have been a wait on parts together with credit hire for the duration that vehicle was off the road. May be a high bill but not fraudulent.
Have you or the broker been the detailed repair invoice? Were the repairs limited to the front wing area?
There's not enough information to plead fraud there. I doubt the owner of the Audi would have profited in any event.
Was the whole thing handled by an Accident Management Company? If so, the repair would have been on a credit basis, there may have been a wait on parts together with credit hire for the duration that vehicle was off the road. May be a high bill but not fraudulent.
Have you or the broker been the detailed repair invoice? Were the repairs limited to the front wing area?
There's not enough information to plead fraud there. I doubt the owner of the Audi would have profited in any event.
MDMA . said:
The actual cost to repair will be cheap. They won't have replaced the wing. Repair and re-paint existing wing. Body shop would receive no more than £300 for it.
A realistic answer - my Son has a Golf to which he has done similar damage, local bodyshop quoted £300 to fix it.However, done through insurance with courtesy car etc. then I'm sure the numbers will be significantly greater.
My experience has been that the value has no impact at all and it's just the fact of having the fault claim which made the difference.
Maybe it's different if the claim is truly huge but I've had a £20k at fault claim which made no difference at all whether it was declared as £20k or (erroneously, my mistake filling in the form) as £2k.
OP has your insurance company specifically told you the increase is down to the value of the claim? Have you tried getting quotes with the value of the claim and then with a lower value (probably best not using your real name/address etc, lest you trip some fraud prevention flags)
Maybe it's different if the claim is truly huge but I've had a £20k at fault claim which made no difference at all whether it was declared as £20k or (erroneously, my mistake filling in the form) as £2k.
OP has your insurance company specifically told you the increase is down to the value of the claim? Have you tried getting quotes with the value of the claim and then with a lower value (probably best not using your real name/address etc, lest you trip some fraud prevention flags)
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