The pheasant and my life
Discussion
Hi all,
I was driving not to fast, when a pheasant got in the way, and ended his life destroying part of the front grill of my leased Sloda Kamiq.
I was initially thinking about getting a second-hand part, but I noticed today that the bonnet has some damage as well.
With more than 7 years of no claim bonus, and I have never use the insurance since I live in the uk, 10 years, what should I except from the insurance?
I understand that ill need to pay the excess and heat more.
Will it affect the premium this year? Will I lose the bonus?
Thank you
I was driving not to fast, when a pheasant got in the way, and ended his life destroying part of the front grill of my leased Sloda Kamiq.
I was initially thinking about getting a second-hand part, but I noticed today that the bonnet has some damage as well.
With more than 7 years of no claim bonus, and I have never use the insurance since I live in the uk, 10 years, what should I except from the insurance?
I understand that ill need to pay the excess and heat more.
Will it affect the premium this year? Will I lose the bonus?
Thank you
Dangerous things pheasants.
Some years ago a Leicestershire Police motorcyclist was hit by a low flying pheasant on the M69.
Fatal for both.
A quick Google will bring up a number of similar incidents involving motorcyclists either killed by the impact or losing control & being killed after being hit.
Some years ago a Leicestershire Police motorcyclist was hit by a low flying pheasant on the M69.
Fatal for both.
A quick Google will bring up a number of similar incidents involving motorcyclists either killed by the impact or losing control & being killed after being hit.
bxuxas said:
Hi all,
I was driving not to fast, when a pheasant got in the way, and ended his life destroying part of the front grill of my leased Sloda Kamiq.
I was initially thinking about getting a second-hand part, but I noticed today that the bonnet has some damage as well.
With more than 7 years of no claim bonus, and I have never use the insurance since I live in the uk, 10 years, what should I except from the insurance?
I understand that ill need to pay the excess and heat more.
Will it affect the premium this year? Will I lose the bonus?
Thank you
It won’t affect the current years premium, it MAY affect future years. I was driving not to fast, when a pheasant got in the way, and ended his life destroying part of the front grill of my leased Sloda Kamiq.
I was initially thinking about getting a second-hand part, but I noticed today that the bonnet has some damage as well.
With more than 7 years of no claim bonus, and I have never use the insurance since I live in the uk, 10 years, what should I except from the insurance?
I understand that ill need to pay the excess and heat more.
Will it affect the premium this year? Will I lose the bonus?
Thank you
Refer to your policy book for how NCB will be treated, often will be reduced by c. 2 years but may count back from 5. (E.g. if you have 5+ then down to 3, 4 to 2 etc). It will depend also on whether you have the protection also.
paintman said:
Dangerous things pheasants.
Some years ago a Leicestershire Police motorcyclist was hit by a low flying pheasant on the M69.
Fatal for both.
A quick Google will bring up a number of similar incidents involving motorcyclists either killed by the impact or losing control & being killed after being hit.
Happy Easter!Some years ago a Leicestershire Police motorcyclist was hit by a low flying pheasant on the M69.
Fatal for both.
A quick Google will bring up a number of similar incidents involving motorcyclists either killed by the impact or losing control & being killed after being hit.
Do you have to inform you insurance company anyway ( even you have no plan to claim ) ? Some of them have rather interesting wording around any accident or incident that affects the value of the vehicle, there was a long thread on this recently. At least it was only a pheasant, daughter had an argument with a small Bambi a few months ago and Bambi's parents are on the hook for several K's worth of damage.
Strangely, in my experience a single vehicle accident like this doesn't always impact your NCD, because clearly you weren't at fault.
Back in about 2009 I wrote off my car avoiding an acciden.
A texter who was looking down at her phone while driving veered onto my side of the road at 60 mph, and the choice was a head on (I was also doing 60) or take to the deep fenland ditch. End result was my car upside down in the ditch. Insurers paid out, no loss of NCD. I just had to pay the excess.
Back in about 2009 I wrote off my car avoiding an acciden.
A texter who was looking down at her phone while driving veered onto my side of the road at 60 mph, and the choice was a head on (I was also doing 60) or take to the deep fenland ditch. End result was my car upside down in the ditch. Insurers paid out, no loss of NCD. I just had to pay the excess.
NikBartlett said:
Do you have to inform you insurance company anyway ( even you have no plan to claim ) ? Some of them have rather interesting wording around any accident or incident that affects the value of the vehicle, there was a long thread on this recently.
Depends, if you think the pheasant is likely to contact their insurance company, it might be best to get in first and put your point of view.Was the vet called? I think they have a legal responsibility to contact the police in incidents like this, especially if the pheasant is likely to suffer any future whiplash injuries.
I once drove to a pub to watch an FA Cup Final. I wasn’t drinking. The match ended up being a draw, so it went to extra time then a penalty shoot out.
On the drive home, I was going through a forested area when a small muntjac deer leaped out into the road. I slammed on the anchors but we still made contact. The bad news was the cars front grille was cracked and smashed in.
What messed with my mind was, the probability of it all happening... If the football game hadn’t gone into extra time and penalties. I would have gone along that road much earlier and would I have still hit that deer.
If the authorities know there’s a deer problem, why don’t they put a fence up at the side of the road. Putting a road sign up does cock all.
(Whoever can guess the year and winning team wins a gold star)
On the drive home, I was going through a forested area when a small muntjac deer leaped out into the road. I slammed on the anchors but we still made contact. The bad news was the cars front grille was cracked and smashed in.
What messed with my mind was, the probability of it all happening... If the football game hadn’t gone into extra time and penalties. I would have gone along that road much earlier and would I have still hit that deer.
If the authorities know there’s a deer problem, why don’t they put a fence up at the side of the road. Putting a road sign up does cock all.
(Whoever can guess the year and winning team wins a gold star)
QBee said:
Strangely, in my experience a single vehicle accident like this doesn't always impact your NCD, because clearly you weren't at fault.
Back in about 2009 I wrote off my car avoiding an accident.
A texter who was looking down at her phone while driving veered onto my side of the road at 60 mph, and the choice was a head on (I was also doing 60) or take to the deep fenland ditch. End result was my car upside down in the ditch. Insurers paid out, no loss of NCD. I just had to pay the excess.
Listening to the radio while working this afternoon - and Direct Line's advert specifically says that they don't think you should lose your no claims when the accident clearly wasn't your fault. One example they give is your car being hit by falling tree. If it was a wooden pheasant you should be ok....so long as your insurer is one that takes this approach.Back in about 2009 I wrote off my car avoiding an accident.
A texter who was looking down at her phone while driving veered onto my side of the road at 60 mph, and the choice was a head on (I was also doing 60) or take to the deep fenland ditch. End result was my car upside down in the ditch. Insurers paid out, no loss of NCD. I just had to pay the excess.
QBee said:
Strangely, in my experience a single vehicle accident like this doesn't always impact your NCD, because clearly you weren't at fault.
Back in about 2009 I wrote off my car avoiding an acciden.
A texter who was looking down at her phone while driving veered onto my side of the road at 60 mph, and the choice was a head on (I was also doing 60) or take to the deep fenland ditch. End result was my car upside down in the ditch. Insurers paid out, no loss of NCD. I just had to pay the excess.
My son hit a deer. It's not clear who came off worse. His premiums increased. He contacted the insurance company and they reckoned it was because he lived/drove in an area that deer wander around.Back in about 2009 I wrote off my car avoiding an acciden.
A texter who was looking down at her phone while driving veered onto my side of the road at 60 mph, and the choice was a head on (I was also doing 60) or take to the deep fenland ditch. End result was my car upside down in the ditch. Insurers paid out, no loss of NCD. I just had to pay the excess.
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