Wing Mirror Damage

[squishy]

Hi all,

Unfortunately, someone hit my 6 month old Mazda CX-5 wing mirror yesterday while I was parked to pick my kid from school and did not leave a note. No CCTV in the area or any witnesses.

I have the job priced up with the main dealer, it is reasonable and I can cover the cost myself. Question from me is whether it is worthwhile going through insurance? I have not had a single claim in the 15 years of driving.

[DodgyGeezer]

Do not bother with insurance - your excess with likely be nearly as much as a mirror

[squishy]

Thanks Geezer, that's what I thought.

[Captain_Morgan]

squishy said:

Hi all,

Unfortunately, someone hit my 6 month old Mazda CX-5 wing mirror yesterday while I was parked to pick my kid from school and did not leave a note. No CCTV in the area or any witnesses.

I have the job priced up with the main dealer, it is reasonable and I can cover the cost myself. Question from me is whether it is worthwhile going through insurance? I have not had a single claim in the 15 years of driving.

Imagine a world where you told us how much the quote was, how much your insurance excess was, if you have protected no claims bonus, how many cars you insure / are insured on.

That’s the world where you could get some meaningful advice.

[dibblecorse]

Captain_Morgan said:

squishy said:

Hi all,

Unfortunately, someone hit my 6 month old Mazda CX-5 wing mirror yesterday while I was parked to pick my kid from school and did not leave a note. No CCTV in the area or any witnesses.

I have the job priced up with the main dealer, it is reasonable and I can cover the cost myself. Question from me is whether it is worthwhile going through insurance? I have not had a single claim in the 15 years of driving.

Imagine a world where you told us how much the quote was, how much your insurance excess was, if you have protected no claims bonus, how many cars you insure / are insured on.

That’s the world where you could get some meaningful advice.

ha ha ha, MX5

[squishy]

Captain_Morgan said:

Imagine a world where you told us how much the quote was, how much your insurance excess was, if you have protected no claims bonus, how many cars you insure / are insured on.

That’s the world where you could get some meaningful advice.

Full mirror assy £315
Body alone £160 (assuming, indicator, body coloured cap, mirror glass can be re-used - need to check the cap for scratches, and whether indicator works)
Labour £117 for full assembly (including painting of pre primed cap I would assume)

Insurance Excess £300, protected NCB, insured as main on one car, named driver on another and on motorcycle.

[squishy]

dibblecorse said:

ha ha ha, MX5

CX-5 bud, too tall for an MX-5

[PistonTim]

Captain_Morgan said:

squishy said:

Hi all,

Unfortunately, someone hit my 6 month old Mazda CX-5 wing mirror yesterday while I was parked to pick my kid from school and did not leave a note. No CCTV in the area or any witnesses.

I have the job priced up with the main dealer, it is reasonable and I can cover the cost myself. Question from me is whether it is worthwhile going through insurance? I have not had a single claim in the 15 years of driving.

Imagine a world where you told us how much the quote was, how much your insurance excess was, if you have protected no claims bonus, how many cars you insure / are insured on.

That’s the world where you could get some meaningful advice.

No it isnt, its obvious its not worth losing NCB for a wing mirror but fine for OP to ask opinions if they want.

[mcflurry]

Can you do the fix yourself and get a suitable part from a breakers?

[smallpaul]

squishy said:

Full mirror assy £315
Body alone £160 (assuming, indicator, body coloured cap, mirror glass can be re-used - need to check the cap for scratches, and whether indicator works)
Labour £117 for full assembly (including painting of pre primed cap I would assume)

Insurance Excess £300, protected NCB, insured as main on one car, named driver on another and on motorcycle.

Are you going to declare the incident on all 3 vehicles for 5 years (and potential increase in insurance cost) for the purpose of saving a tiny amount now?

[anonymous-user]

smallpaul said:

Are you going to declare the incident on all 3 vehicles for 5 years (and potential increase in insurance cost) for the purpose of saving a tiny amount now?

fk me the idea ofhaving to fill those details out every year for the next five years..... I'd pay it myself just to avoid that fkery.

[steveo3002]

id get one off ebay and rattle can it or have it done , saves declaring a 200£ claim for the next 5 years

[squishy]

steveo3002 said:

id get one off ebay and rattle can it or have it done , saves declaring a 200£ claim for the next 5 years

I am tempted. I am more than capable of fixing it myself, but it is almost a brand new car with less than 5k miles on it.. Problem is that it has blind spot monitoring and none on ebay come with that connector.

I am dreading having to declare on insurance, will just bite my tongue and pay for it myself.

[DavePanda]

squishy said:

I am tempted. I am more than capable of fixing it myself, but it is almost a brand new car with less than 5k miles on it.. Problem is that it has blind spot monitoring and none on ebay come with that connector.

I am dreading having to declare on insurance, will just bite my tongue and pay for it myself.

You'd be paying for it yourself anyway by paying a £300 excess then having to declare it and pay the increase in premium year on year

[Captain_Morgan]

squishy said:

Captain_Morgan said:

Imagine a world where you told us how much the quote was, how much your insurance excess was, if you have protected no claims bonus, how many cars you insure / are insured on.

That’s the world where you could get some meaningful advice.

Full mirror assy £315
Body alone £160 (assuming, indicator, body coloured cap, mirror glass can be re-used - need to check the cap for scratches, and whether indicator works)
Labour £117 for full assembly (including painting of pre primed cap I would assume)

Insurance Excess £300, protected NCB, insured as main on one car, named driver on another and on motorcycle.

So there you go, ~£150 in price difference before you consider any change in premium over the next 5 years, the agro of making a claim & declaring it on each quote for 5 years.

I know what I’d do.

[gshughes]

DodgyGeezer said:

Do not bother with insurance - your excess with likely be nearly as much as a mirror

It is worth checking your policy, but I thought in most cases an excess only applies to a third party claim? I have made claims in the past and subsequent years premiums have not gone up much, so might be worth claiming.

[fatjon]

Protected NCB has little bearing on this decision. Yes you will still have the same NCB but they will almost certainly put your premium up for several years because you had a claim then apply the protected NCB to discount the increase by x%.

Insurance companies are rarely noted for fair play and protected NCB is a perfect example of their shenanigans.

[HustleRussell]

gshughes said:

It is worth checking your policy, but I thought in most cases an excess only applies to a third party claim? I have made claims in the past and subsequent years premiums have not gone up much, so might be worth claiming.

Who's the third party in this case?

OP if I were you I'd pay / repair it myself, assuming there is no other damage which you haven't mentioned i.e. paint damage to the door.

[gt40steve]

fatjon said:

Protected NCB has little bearing on this decision. Yes you will still have the same NCB but they will almost certainly put your premium up for several years because you had a claim then apply the protected NCB to discount the increase by x%.

Insurance companies are rarely noted for fair play and protected NCB is a perfect example of their shenanigans.

Totally agree with the above.

Also don't forget that protected no claims only works with your current insurance company. (who will increase your price next year due to the claim..)

If you go to a new insurance company next year you will have to declare all claims. They may sometimes 'honour' your full NCD but the policy price will be inflated anyway.
Alternatively they will reduce your NCD years. Some policies knock off 3 years NCD for just one accident, which is their way of blackmailing their customers into paying for Protected NCD.

It's highly debatable if Protected NCD is worth it. A very few years paying for Protected NCD will cost more than the increase in price involved in making a claim ' unprotected'.

The customer losses in all cases.

[996TT02]

"Protected NCB" is pretty scammy.

Since the base premium is free to rise, it is frigging meaningless.

£100 less 20%, is always less than £150 less 20%.