F20 - Repair / PCP Validity Advice Needed
Discussion
Hi folks,
Looking for some advice here as I'm struggling to find the relevant answers online.
Went into the back of someone this morning at very low speeds in my F20 120d M Sport and now have a smashed nearside headlamp and cracked front bumper. Due to the excess and long term impact on my insurance premium I want to avoid going through insurance and get the repairs done independantly. I spoke with BMW earlier and even without inspecting the vehicle the quote for a new headlamp, sprayed bumper and fitment came to £1220 inc VAT... Obviously not the news I would like to receive in January.
I've conceded that the bumper will be best sorted by BMW due to potential colour matching/ other issues (unless anyone has any advice to the conrtary), however after finding a few quotes for the headlamp I reckon I could shave circa £200 off the total price of the work to have this done non-dealer.
My main concern is invalidating the terms of my PCP deal. The dealer was incredibly vague about the whole thing without inspection but did acknowledge that providing the parts are OEM then there shouldn't be any problems. I'm a little apprehensive about taking the car down for inspection at the dealer until I know the reality as I can imagine that the aformentioned price quoted will rise even further.
Does anyone have any experience of working with/around PCP terms? Am I simply best to bite the bullet on this and save myself further hassle or is there a legitimate work around?
Many thanks
Andy
Looking for some advice here as I'm struggling to find the relevant answers online.
Went into the back of someone this morning at very low speeds in my F20 120d M Sport and now have a smashed nearside headlamp and cracked front bumper. Due to the excess and long term impact on my insurance premium I want to avoid going through insurance and get the repairs done independantly. I spoke with BMW earlier and even without inspecting the vehicle the quote for a new headlamp, sprayed bumper and fitment came to £1220 inc VAT... Obviously not the news I would like to receive in January.
I've conceded that the bumper will be best sorted by BMW due to potential colour matching/ other issues (unless anyone has any advice to the conrtary), however after finding a few quotes for the headlamp I reckon I could shave circa £200 off the total price of the work to have this done non-dealer.
My main concern is invalidating the terms of my PCP deal. The dealer was incredibly vague about the whole thing without inspection but did acknowledge that providing the parts are OEM then there shouldn't be any problems. I'm a little apprehensive about taking the car down for inspection at the dealer until I know the reality as I can imagine that the aformentioned price quoted will rise even further.
Does anyone have any experience of working with/around PCP terms? Am I simply best to bite the bullet on this and save myself further hassle or is there a legitimate work around?
Many thanks
Andy
1. Are you 100% sure that's the only damage, I'm not meaning to be disrespectful but I always got my car thoroughly checked following a bump.
2. You'd need to post the PCP terms themselves, but my neighbours' leased car (so I guess similar principle) was repaired to a good standard by a non main dealer bodyshop and no problems when it went back and it went back early.
3. I would definitely ensure all parts are manufacturers but can't see why any good bodyshop couldn't handle a relatively minor repair or what part of the PCP terms and conditions this would breach?
4. If you are avoiding insurance does that mean you are paying for the car you hit and if so be cautious as I have heard of people try and bump up claims.
2. You'd need to post the PCP terms themselves, but my neighbours' leased car (so I guess similar principle) was repaired to a good standard by a non main dealer bodyshop and no problems when it went back and it went back early.
3. I would definitely ensure all parts are manufacturers but can't see why any good bodyshop couldn't handle a relatively minor repair or what part of the PCP terms and conditions this would breach?
4. If you are avoiding insurance does that mean you are paying for the car you hit and if so be cautious as I have heard of people try and bump up claims.
Smuler said:
1. Are you 100% sure that's the only damage, I'm not meaning to be disrespectful but I always got my car thoroughly checked following a bump.
2. You'd need to post the PCP terms themselves, but my neighbours' leased car (so I guess similar principle) was repaired to a good standard by a non main dealer bodyshop and no problems when it went back and it went back early.
3. I would definitely ensure all parts are manufacturers but can't see why any good bodyshop couldn't handle a relatively minor repair or what part of the PCP terms and conditions this would breach?
4. If you are avoiding insurance does that mean you are paying for the car you hit and if so be cautious as I have heard of people try and bump up claims.
Thanks for your response.2. You'd need to post the PCP terms themselves, but my neighbours' leased car (so I guess similar principle) was repaired to a good standard by a non main dealer bodyshop and no problems when it went back and it went back early.
3. I would definitely ensure all parts are manufacturers but can't see why any good bodyshop couldn't handle a relatively minor repair or what part of the PCP terms and conditions this would breach?
4. If you are avoiding insurance does that mean you are paying for the car you hit and if so be cautious as I have heard of people try and bump up claims.
1/ Not 100% sure, but having had a similar bump before with only cosmetic damage I'm reasonably confident that there will be no underlying damage. My thoughts are this would be highlighted when getting the bumper replaced anyway.
2/ Thanks, was just looking for other owner's experiences as I can assume (perhaps naively) that most BMW PCP deals would contain the same small print around this.
3/ Quote provided by reputable motorfactor so sure they will be OEM as stated.
4/ I am indeed, there were only a few minor scuffs on the Corsa. What do you mean when you say 'bump up claims'?
Sorry to hear about your misfortune, personally I wouldn't take any make of car to a main dealer after a minor shunt as I'm sure you will get both a better and cheaper job at an independent body shop.
As an example a friend of mine was recently quoted £1100 by an Audi dealer to repair minor damage to the rear bumper of his Audi TT, I recommended a body shop who I've used in the past and he got it repaired perfectly for £350.
Hope this helps.
As an example a friend of mine was recently quoted £1100 by an Audi dealer to repair minor damage to the rear bumper of his Audi TT, I recommended a body shop who I've used in the past and he got it repaired perfectly for £350.
Hope this helps.
Don't be too hung up on main dealers. I've owned an E36 from new and in 15.5 years it's been into the body shop twice, paintwork being done in both cases. First time it went to BMW who made such a pig's ear of things that it kept having to go back over the course of the next six months, second time it went to Just Car Clinic who repaired it perfectly. My OH had a minor parking ding (including paintwork) on her 120d fixed by an independent local body shop and this too was repaired perfectly.
Thanks chaps, this is interesting feedback as I was thinking play safe and go main dealer.
After a night in the rain the damage this morning looked surprisingly ok. I'm now curious to what a good indy bodyshop (of which there are a few near me) could do with the crack in the bumper. Car is driveable so might pop in over the weekend.
Question remains of whether BMW will know when I take it back next year..
After a night in the rain the damage this morning looked surprisingly ok. I'm now curious to what a good indy bodyshop (of which there are a few near me) could do with the crack in the bumper. Car is driveable so might pop in over the weekend.
Question remains of whether BMW will know when I take it back next year..
A BMW main dealer will only replace the bumper (at huge cost), when an indy can possibly repair it for a fraction of the cost.
Don't assume by going to a BMW main dealer that you will get a perfect repair, from experience it may not be the case.
I wouldn't be too hung up about when the car goes back - as long as you are happy with the quality of the repair, I would imagine BMW will be too.
Don't assume by going to a BMW main dealer that you will get a perfect repair, from experience it may not be the case.
I wouldn't be too hung up about when the car goes back - as long as you are happy with the quality of the repair, I would imagine BMW will be too.
I don't get why people do this. You have insurance for a reason. Why on earth would you not use it? Especially if it's going to come to a couple of grand in total potentially.
I wrote one of my cars off a couple of years ago(my fault). Total loss with insurance and they paid out. The next year my premium went down so it didn't impact me in any way.
Even if it did push up your insurance premium for a year or two, do you really think it would cost you close to the amount you want to pay out of your own pocket?
I wrote one of my cars off a couple of years ago(my fault). Total loss with insurance and they paid out. The next year my premium went down so it didn't impact me in any way.
Even if it did push up your insurance premium for a year or two, do you really think it would cost you close to the amount you want to pay out of your own pocket?
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