Should I Claim on Insurance?
Discussion
Hi everyone. I'm looking for some guidance please.
Let's say for the sake of argument that my daughter reversed into another car in a car park and caused a small amount of damage to it. Her car is unmarked. The car's owner has a local garage written estimate of £150 for the repair [£120 repair and £30 for bonnet badge].
I am assuming that if we were to get this person to claim on my daughter's insurance that her excess does not apply because daughter herself is not claiming? If the excess does apply, then we would certainly just pay up ourselves because the excess is £600 [daughter is 20].
Daughter is building up her first year of no claims at the moment and annual policy costs around £1200.
I suppose, if the repair went through insurance, she doesn't get a first year no claims discount on renewal but would the expected discount on this be more than the £160 she would pay out for the repair if she paid it herself?
And the other thing is, what if the estimate escalates on completion of the repair? I guess the other party could possibly hand us a bill of, say, over £200. We did specifically ask her to supply a quote but she said the garage supplied an estimate. On the other hand, by how much could an estimate of £130 be out?
Any advice please?
Let's say for the sake of argument that my daughter reversed into another car in a car park and caused a small amount of damage to it. Her car is unmarked. The car's owner has a local garage written estimate of £150 for the repair [£120 repair and £30 for bonnet badge].
I am assuming that if we were to get this person to claim on my daughter's insurance that her excess does not apply because daughter herself is not claiming? If the excess does apply, then we would certainly just pay up ourselves because the excess is £600 [daughter is 20].
Daughter is building up her first year of no claims at the moment and annual policy costs around £1200.
I suppose, if the repair went through insurance, she doesn't get a first year no claims discount on renewal but would the expected discount on this be more than the £160 she would pay out for the repair if she paid it herself?
And the other thing is, what if the estimate escalates on completion of the repair? I guess the other party could possibly hand us a bill of, say, over £200. We did specifically ask her to supply a quote but she said the garage supplied an estimate. On the other hand, by how much could an estimate of £130 be out?
Any advice please?
pay private.
Your excess alone will cost more than £130.
Just pay up, and make your daughter pay you back for her carelessness.
I speak as a child who did this, rather than a parent.
I stuffed fathers commuter car into a mate who was arsing around. Cost me £800 cash, which was less than the excess and insurance increas.
To claim for £130 you must be mad
Your excess alone will cost more than £130.
Just pay up, and make your daughter pay you back for her carelessness.
I speak as a child who did this, rather than a parent.
I stuffed fathers commuter car into a mate who was arsing around. Cost me £800 cash, which was less than the excess and insurance increas.
To claim for £130 you must be mad
comes with experience mate.
Seriously would suggest you get YOUR DAUGHTER to pay it.
I know a few mates (and myself) have had this, even been made to walk around to the owners house, apologie and hand over our own money.
WE LEARNT OUR LESSON.
Couple of lasses who are "daddies little girl" had magic money wands waved, and they still have a cavillier attitude to car-park scrapes.
(one has a brand new 500 that daddy bought her at 22, and she uses it to bounce off other cars in car parks.... idiot).
Certainly teaches you to be more careful if a weeks wage has gone to someone for your mistake IMHO
Seriously would suggest you get YOUR DAUGHTER to pay it.
I know a few mates (and myself) have had this, even been made to walk around to the owners house, apologie and hand over our own money.
WE LEARNT OUR LESSON.
Couple of lasses who are "daddies little girl" had magic money wands waved, and they still have a cavillier attitude to car-park scrapes.
(one has a brand new 500 that daddy bought her at 22, and she uses it to bounce off other cars in car parks.... idiot).
Certainly teaches you to be more careful if a weeks wage has gone to someone for your mistake IMHO
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