Fault Claim on Insurance - How much did it go up?

[adz9]

Hey guys,

Complete lapse of concentration yesterday and I backed into someone in the McDonalds drive through as someone else was looking like they were going to back into me!

I drive a big pickup with a towbar and I hit a Vauxhall Corsa VXR at about 2mph. Unfortunately my towbar went through his front grille and shattered it and caused some light damage to his bumper. I offered to pay for the damage instead of involving my insurance but they got a quote at nearly 5k to repair so it has to be the insurance route.

Im 37 with 12 years no claims which I believe is protected but now Im going to have a fault claim against my name. How much did you guys who have had similar happen notice your insurance go up by percentage wise roughly?

So frustrated with myself, not had any accident since I was young. It was 11pm and 3h into a 4h drive. Just feel like an idiot!

Edited by adz9 on Friday 6th May 19:15

[Seventy]

adz9 said:

Im 37 with 12 years no claims which I believe is protected

Whilst I’m not in any way an expert you may have answered your own question.

[plenty]

Seventy said:

adz9 said:

Im 37 with 12 years no claims which I believe is protected

Whilst I’m not in any way an expert you may have answered your own question.

While NCB is protected the underlying premium will be loaded following a claim.

OP, I'd be surprised if you received more than a 10% loading.

[LosingGrip]

It will be impossible to say how much it will go up. It depends on so many things, age, location to start.

[adz9]

plenty said:

While NCB is protected the underlying premium will be loaded following a claim.

OP, I'd be surprised if you received more than a 10% loading.

I changed one quote I had a few months ago on CompareTheMarket on my old 911 and it went from £487 to £638. This was based on some old info and the accident having happened yesterday which obviously won't be the case at renewal, but I did have a panic Id be seeing a 25% rise! Ive got 6 policies too

[750turbo]

5K for that damage!!!!!

Bloody hell! I must be well out of touch now.

[Saleen836]

I would be asking the owner to get 2 more estimates for repair!

[popeyewhite]

plenty said:

Seventy said:

adz9 said:

Im 37 with 12 years no claims which I believe is protected

Whilst I’m not in any way an expert you may have answered your own question.

While NCB is protected the underlying premium will be loaded following a claim.

OP, I'd be surprised if you received more than a 10% loading.

20-30% is more realistic IMO.

[adz9]

750turbo said:

5K for that damage!!!!!

Bloody hell! I must be well out of touch now.

Insane isn't it

Just the bumper skin is £1515 plus VAT

[s2sol]

Saleen836 said:

I would be asking the owner to get 2 more estimates for repair!

If somebody reversed into my car, I'd want it sorted with minimal hassle. Pissing about getting quotes so that the guy's insurance premium increase is as small as possible is hassle. A few hours off work, or a Saturday morning, all while my car still isn't fixed. If I were the OP, I'd give the Corsa owner my insurance details and apologise for what I'd done.

[750turbo]

adz9 said:

750turbo said:

5K for that damage!!!!!

Bloody hell! I must be well out of touch now.

Insane isn't it

Just the bumper skin is £1515 plus VAT

Have you seen the Quote - If so, send me the Partno if it is on it and I can check the pricing if you want? That seems ridiculous.

[Saleen836]

s2sol said:

Saleen836 said:

I would be asking the owner to get 2 more estimates for repair!

If somebody reversed into my car, I'd want it sorted with minimal hassle. Pissing about getting quotes so that the guy's insurance premium increase is as small as possible is hassle. A few hours off work, or a Saturday morning, all while my car still isn't fixed. If I were the OP, I'd give the Corsa owner my insurance details and apologise for what I'd done.

Fair comment but you just never know if the owners mate has a bodyshop and the VXR owner has asked his mate to do some other work and include it in the estimate bumping it up

[plenty]

adz9 said:

plenty said:

While NCB is protected the underlying premium will be loaded following a claim.

OP, I'd be surprised if you received more than a 10% loading.

I changed one quote I had a few months ago on CompareTheMarket on my old 911 and it went from £487 to £638. This was based on some old info and the accident having happened yesterday which obviously won't be the case at renewal, but I did have a panic Id be seeing a 25% rise! Ive got 6 policies too

You're seeing the impact of the new legislation which has driven up the prices of new policies but reduced the price of renewals. Try getting prices based on pre-accident info and see what the difference is.

[anonymous-user]

Don’t worry about it, especially as you’re a more mature driver there will likely be a small loading which you can reduce by shopping around. A single low cost fault claim isn’t a big deal for most insurers, you may just need to shop around a bit more.

[Cloudy147]

My wife reversed into neighbours car a couple of years ago and I went through insurance to save any problems or hassle. I can’t say exactly what the difference was as insurance is never comparable one year to the next, but it was so negligible to as made no noticeable difference in premium.

[Lester H]

adz9 said:

Hey guys,

Complete lapse of concentration yesterday and I backed into someone in the McDonalds drive through as someone else was looking like they were going to back into me!

I drive a big pickup with a towbar and I hit a Vauxhall Corsa VXR at about 2mph. Unfortunately my towbar went through his front grille and shattered it and caused some light damage to his bumper. I offered to pay for the damage instead of involving my insurance but they got a quote at nearly 5k to repair so it has to be the insurance route.

Im 37 with 12 years no claims which I believe is protected but now Im going to have a fault claim against my name. How much did you guys who have had similar happen notice your insurance go up by percentage wise roughly?

So frustrated with myself, not had any accident since I was young. It was 11pm and 3h into a 4h drive. Just feel like an idiot!

Edited by adz9 on Friday 6th May 19:15

From my daughter's experience ( she, too had all the protection cover) it may go up around 15%. Can someone tell us where the big name repairers get their surreal prices from?

[furrywoolyhatuk]

750turbo said:

adz9 said:

750turbo said:

5K for that damage!!!!!

Bloody hell! I must be well out of touch now.

Insane isn't it

Just the bumper skin is £1515 plus VAT

Have you seen the Quote - If so, send me the Partno if it is on it and I can check the pricing if you want? That seems ridiculous.

What a good man

[s2sol]

Saleen836 said:

Fair comment but you just never know if the owners mate has a bodyshop and the VXR owner has asked his mate to do some other work and include it in the estimate bumping it up

Well, yes. That's a slim outside chance. Regardless, it's the OP who's inadvertently brought this situation about, and it's not his call to demand the injured party spends time and effort getting alternative quotes. It'll cost the OP one way or the other. Insurance is designed exactly for this, and it seems odd to have paid for insurance for so many years, only to avoid using it when it's appropriate.

[Howard-]

Saleen836 said:

I would be asking the owner to get 2 more estimates for repair!

I wouldn't be doing anything of the sort. You can't ask someone to inconvenience themselves like that because of your mistake. It's entirely up to them how they would prefer to proceed in repairing their car.

As already said above, I would simply apologise, take some photos, pass on my insurance details, and move on.

I think when most people offer cash in lieu of insurance for repairs, they assume the other person is going to be happy with some 200 quid Chips Away driveway repair and then get the arse when they understandably aren't.