Should I claim on my insurance ?
Discussion
Had my BMW 530d (2007 immaculate) for only two weeks and some C*** has keyed one of the rear doors.
Had a quote frome ChipsAway for£240 to do the job in a body shop to rub down and respray, my insurance excess is about the same, I would like to go to the insurance body shop to who will probably do a better job than ChipsAway, but not sure if this will effect my insurance renewal?
I have 8 years NCB with a NCB protector, however this claim will be on my record for 5 years, will it have a detrimental effect even if it was not my fault?
Any advice?
Had a quote frome ChipsAway for£240 to do the job in a body shop to rub down and respray, my insurance excess is about the same, I would like to go to the insurance body shop to who will probably do a better job than ChipsAway, but not sure if this will effect my insurance renewal?
I have 8 years NCB with a NCB protector, however this claim will be on my record for 5 years, will it have a detrimental effect even if it was not my fault?
Any advice?
Hi
If its the same cost as your excess, no point, find a decent local bodydhop, single panel shouldn't be much more than chips away for a repair like that.
Technically you still have to declare it when asked 'any accidents, claims or losses in the last x years' as it is a 'loss' but many people don't bother.
If you claim your premium will likely increase as you will have a non recoverable claim on your record and you'll pay the excess plus theclaim cost will go through the roof like they always do.
If its the same cost as your excess, no point, find a decent local bodydhop, single panel shouldn't be much more than chips away for a repair like that.
Technically you still have to declare it when asked 'any accidents, claims or losses in the last x years' as it is a 'loss' but many people don't bother.
If you claim your premium will likely increase as you will have a non recoverable claim on your record and you'll pay the excess plus theclaim cost will go through the roof like they always do.
No point in claiming.
Just find a good local bodyshop and ask for a quote on a private job rather than insurance. I used to know one local to me who were cheaper than Chipsaway and did impeccable work.
If you claim, it is a fault claim and will probably affect you with some insurers, others maybe not, it's one of those "how long's a piece of string?" questions really.
Someone will be along shortly to explain that you need to declare this even if you don't claim, although I'm not sure who would actually do that in real life if they had paid cash to fix it themselves.
Just find a good local bodyshop and ask for a quote on a private job rather than insurance. I used to know one local to me who were cheaper than Chipsaway and did impeccable work.
If you claim, it is a fault claim and will probably affect you with some insurers, others maybe not, it's one of those "how long's a piece of string?" questions really.
Someone will be along shortly to explain that you need to declare this even if you don't claim, although I'm not sure who would actually do that in real life if they had paid cash to fix it themselves.
dibblecorse said:
Hi
If its the same cost as your excess, no point, find a decent local bodydhop, single panel shouldn't be much more than chips away for a repair like that.
Technically you still have to declare it when asked 'any accidents, claims or losses in the last x years' as it is a 'loss' but many people don't bother.
If you claim your premium will likely increase as you will have a non recoverable claim on your record and you'll pay the excess plus theclaim cost will go through the roof like they always do.
Not disputing this, but interested as I'm not a lawyer: Why would anyone have to declare this i.e. what constitutes a loss?If its the same cost as your excess, no point, find a decent local bodydhop, single panel shouldn't be much more than chips away for a repair like that.
Technically you still have to declare it when asked 'any accidents, claims or losses in the last x years' as it is a 'loss' but many people don't bother.
If you claim your premium will likely increase as you will have a non recoverable claim on your record and you'll pay the excess plus theclaim cost will go through the roof like they always do.
If I'm working on my car and drop a spanner that leaves a dent which I do nothing about, do I have to declare that?
If not, do I have to declare it if I then pull the dent out myself?
If not, do I have to declare it if I get a bodyshop to pull the dent out?
SuperPav said:
dibblecorse said:
Hi
If its the same cost as your excess, no point, find a decent local bodydhop, single panel shouldn't be much more than chips away for a repair like that.
Technically you still have to declare it when asked 'any accidents, claims or losses in the last x years' as it is a 'loss' but many people don't bother.
If you claim your premium will likely increase as you will have a non recoverable claim on your record and you'll pay the excess plus theclaim cost will go through the roof like they always do.
Not disputing this, but interested as I'm not a lawyer: Why would anyone have to declare this i.e. what constitutes a loss?If its the same cost as your excess, no point, find a decent local bodydhop, single panel shouldn't be much more than chips away for a repair like that.
Technically you still have to declare it when asked 'any accidents, claims or losses in the last x years' as it is a 'loss' but many people don't bother.
If you claim your premium will likely increase as you will have a non recoverable claim on your record and you'll pay the excess plus theclaim cost will go through the roof like they always do.
If I'm working on my car and drop a spanner that leaves a dent which I do nothing about, do I have to declare that?
If not, do I have to declare it if I then pull the dent out myself?
If not, do I have to declare it if I get a bodyshop to pull the dent out?
If you are able to repair it yourself then there is no 'loss' as no cost was incurred.
You can look at anything to the n'th degree but I think you get what I mean. Its a wormhole we could go down all day.
dibblecorse said:
Technically yes as you have suffered damage that has resulted in a 'loss' ie your cost to repair the car, same as if you bumped the gatepost driving onto your driveway and ding your wing that you then get repaired at a cost.
If you are able to repair it yourself then there is no 'loss' as no cost was incurred.
You can look at anything to the n'th degree but I think you get what I mean. Its a wormhole we could go down all day.
Gotcha, thanks. Technicalities and all that! If you are able to repair it yourself then there is no 'loss' as no cost was incurred.
You can look at anything to the n'th degree but I think you get what I mean. Its a wormhole we could go down all day.
Surely as there was no third party involved then you don't need to inform the insurance company about this? If its repaired to the condition it was before it was keyed then why would you need to let the insurance company know? I'm confused...
By third party involvement I mean that the OP hasn't caused loss or injury to someone else. Obviously, the t
t who keyed his car is a 'third party'.
I would understand if the OP had been driven into causing light damage, repaired it himself and then the third party tries to make a claim after that has happened.
By third party involvement I mean that the OP hasn't caused loss or injury to someone else. Obviously, the t
t who keyed his car is a 'third party'.I would understand if the OP had been driven into causing light damage, repaired it himself and then the third party tries to make a claim after that has happened.
Edited by Swanny87 on Wednesday 11th March 11:28
Swanny87 said:
Surely as there was no third party involved then you don't need to inform the insurance company about this? If its repaired to the condition it was before it was keyed then why would you need to let the insurance company know? I'm confused...
By third party involvement I mean that the OP hasn't caused loss or injury to someone else. Obviously, the tt who keyed his car is a 'third party'.
I would understand if the OP had been driven into causing light damage, repaired it himself and then the third party tries to make a claim after that has happened.
Swanny,basically the question they ask is a 'catch all' and it is:By third party involvement I mean that the OP hasn't caused loss or injury to someone else. Obviously, the t
t who keyed his car is a 'third party'.I would understand if the OP had been driven into causing light damage, repaired it himself and then the third party tries to make a claim after that has happened.
Edited by Swanny87 on Wednesday 11th March 11:28
Have you or anyone named on the policy had any accidents, claims or losses in the last x years ?
You dropped a hammer and dented your car, thats an accident.
You bump a gatepost, thats an accident, you get it repaired at your cost, thats a loss..
Your car is keyed, then repaired at your cost . thats vandalism and a loss.
etc, etc
How much of this stuff eve gets back to an insurer is a different question, but you are not answering honestly if not declaring, thats the black and white of it.
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