Someone scratched my car, estimated cost.

[V8Hunter]

Someone scratched my car. Never been hit before, I know who it was they left me a note. It’s gone through the paint I think because the black bits are in (if that makes sense). Estimated cost? Don’t really want to go through insurance because I have heard that even if it’s their fault my premium will go up??

Any help from PH would be excellent.

[V8RX7]

Smart paint co. would do it for £50 but IME they don't last.

Back street paintshop £70 to blow in the corner, £150 to do the entire bumper

[V8Hunter]

If we do it through insurance and she claims full liability, then will I lose my 2 years NCB

[thebraketester]

Coup,e of hundred quid for a full bumper respray would be about right for up north. The guy I use in Rochdale would be about that price

[Mike335i]

V8Hunter said:

If we do it through insurance and she claims full liability, then will I lose my 2 years NCB

Why? Wouldn't it go through her insurance? You are not claiming of your own insurance. Besides, claim back any increased insurance costs from her insurance company.

[lord trumpton]

With it being silver the right way would be to have the bumper repainted and colour blended into the wings as it's highly likely the colour will be off. It's likely you will be into 4-500 for this.

Obviously you could have a smart repair of a localised repair to the bumper but it depends on how much you want to spend and how particular you are with things looking 'right'.

[Prinny]

thebraketester said:

Coup,e of hundred quid for a full bumper respray would be about right for up north. The guy I use in Rochdale would be about that price

Castleton Motor Bodies? They’ve done me proud on my cars. OP, you’re in Lancs, so not that far away, give them a call & ask for Geoff.

No affiliation, just a satisfied customer.

[JaredVannett]

Mike335i said:

V8Hunter said:

If we do it through insurance and she claims full liability, then will I lose my 2 years NCB

Why? Wouldn't it go through her insurance? You are not claiming of your own insurance. Besides, claim back any increased insurance costs from her insurance company.

Yeah but hasn't there been stupid policies where the victim's insurance company has to be notified of an incident (even if it's not their fault).... only to then have their premiums go up (shafted).... I've read stories like that over the years and I'm guessing that's why he is asking...?

[V8Hunter]

Mike335i said:

Why? Wouldn't it go through her insurance? You are not claiming of your own insurance. Besides, claim back any increased insurance costs from her insurance company.

Sorry mate, im new to all of this. So do I even need to call my insurance? So aslong as she claims liability i'll keep my NCB?

[Mike335i]

The premiums will go up at renewal as you will have to declare the incident, but you really shouldn't be losing any no claims bonus. Deal with her insurance directly regarding the incident. I would push her insurance for some compensation of your increased risk profile to cover the cost of your increased insurance through no fault of your own.

You should notify your own insurance if the incident for transparency, but make it clear that you are not claiming.

[Pericoloso]

V8Hunter said:

Mike335i said:

Why? Wouldn't it go through her insurance? You are not claiming of your own insurance. Besides, claim back any increased insurance costs from her insurance company.

Sorry mate, im new to all of this. So do I even need to call my insurance? So aslong as she claims liability i'll keep my NCB?

Who are you with ?

Direct Line have a current tv ad about not losing no claims if hit when parked.

Worked for me in 2014.