Dented two doors in car park, claim?
Discussion
I wasn’t paying attention and in a car park which I’ve used close to a thousand times I badly scraped passenger side against a steel bollard. Two doors are dented and scratched. From what I can tell I may need new panel(s).
Is this something I can claim? And is it worth it?
Car is Porsche Macan, insurer is Admiral, 4 years NCB on a multicar policy. I’m wary of calling them to ask because that will go on my file regardless of outcome.
Is this something I can claim? And is it worth it?
Car is Porsche Macan, insurer is Admiral, 4 years NCB on a multicar policy. I’m wary of calling them to ask because that will go on my file regardless of outcome.
Edited by pmn3 on Wednesday 11th September 19:32
pmn3 said:
Forgot about the 12 year corrossion guarantee.
Anyway, is this something I can claim? No third party was involved, fault is clearly mine
Yes. Thats what fully comprehensive insurance is for. Repairing ANY damage. You will just pay your excess (plus extra for using a bodyshop of your choice, if you wanted to)Anyway, is this something I can claim? No third party was involved, fault is clearly mine
BenS94 said:
Yes. Thats what fully comprehensive insurance is for. Repairing ANY damage. You will just pay your excess (plus extra for using a bodyshop of your choice, if you wanted to)
Correct. It would have been £250 extra for me to use my body shop plus they wouldn’t provide a hire car. That would have to be provided by the body shop pmn3 said:
I wasn’t paying attention and in a car park which I’ve used close to a thousand times I badly scraped passenger side against a steel bollard. Two doors are dented and scratched. From what I can tell I may need new panel(s).
Is this something I can claim? And is it worth it?
I would get a quote from somewhere you like and then you can make a judgement. Your NCB may be protected but they can still put the premium up next time.Is this something I can claim? And is it worth it?
Dingu said:
Sebring440 said:
What has No Claim's Bonus, or NCB Protection, got to do with premium renewal price? It is guaranteed to go up next time.
Gibberish NCB is a % discount
NCB Protection protects the % of that discount…
but if you claim then the underlying premium will rise…
you might still get the same % discount, but starting from a higher initial premium means you will still pay more
akirk said:
Dingu said:
Sebring440 said:
What has No Claim's Bonus, or NCB Protection, got to do with premium renewal price? It is guaranteed to go up next time.
Gibberish NCB is a % discount
NCB Protection protects the % of that discount…
but if you claim then the underlying premium will rise…
you might still get the same % discount, but starting from a higher initial premium means you will still pay more
I understand how NCB works. It doesn’t hold that a claim guarantees a rise. It might, not will.
Dingu said:
akirk said:
Dingu said:
Sebring440 said:
What has No Claim's Bonus, or NCB Protection, got to do with premium renewal price? It is guaranteed to go up next time.
Gibberish NCB is a % discount
NCB Protection protects the % of that discount…
but if you claim then the underlying premium will rise…
you might still get the same % discount, but starting from a higher initial premium means you will still pay more
I understand how NCB works. It doesn’t hold that a claim guarantees a rise. It might, not will.
Your premium might increase if you make a claim, it might not. I made a claim 2 years ago - a couple of weeks before renewal. My premium did not increase that year, didn't increase last year - and virtually halved this year to the cheapest it's ever been.
It would be worth getting a couple of quotes - Porsche will be using an 'independent' in any event.
I used an excellent coachworks company for some rust on a Range Rover a few years ago - worth shopping around before deciding if you are obliged to use Porsche or, indeed, your insurance company.
I used an excellent coachworks company for some rust on a Range Rover a few years ago - worth shopping around before deciding if you are obliged to use Porsche or, indeed, your insurance company.
davek_964 said:
Your premium might increase if you make a claim, it might not. I made a claim 2 years ago - a couple of weeks before renewal. My premium did not increase that year, didn't increase last year - and virtually halved this year to the cheapest it's ever been.
The issue really is whether they would put the premium up because they were going to do so anyway, or BECAUSE there was a claim (or both!). But if the repairs are likely to cost several K, a claim would seem worthwhile.Got a quite from a decent bodyshop.
£5000+, a non starter to pay myself. They say doors need replacing.
Before I log the claim with Admiral, is there anything I should be aware of?
Will they object to (1) accident happening in a car park i.e. private road (2) any othe funny business they may use to not pay?
£5000+, a non starter to pay myself. They say doors need replacing.
Before I log the claim with Admiral, is there anything I should be aware of?
Will they object to (1) accident happening in a car park i.e. private road (2) any othe funny business they may use to not pay?
Edited by pmn3 on Thursday 12th September 17:06
pmn3 said:
Got a quite from a decent bodyshop.
£5000+, a non starter.
Before I log the claim with Admiral, is there anything I should be aware of?
Will they object to (1) accident happening in a car park i.e. private road (2) any othe funny business they may use to not pay?
You are overthinking here. Just get the claim logged and it'll be fine.£5000+, a non starter.
Before I log the claim with Admiral, is there anything I should be aware of?
Will they object to (1) accident happening in a car park i.e. private road (2) any othe funny business they may use to not pay?
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