Discussion
So the car hit a rock or something in the hedge whilst driving down a tight Cornish road whilst on holiday. I’m such a newb to car ownership (the 997 was the first car I bought, at age 40).
We have roadside assistance (Greenflag) and insurance (obviously, Admiral) and I’m just wondering what order I should do everything in.
Should we get Greenflag to recover us to the campsite? It’s late now and the garages are all shut. Or should I start a claim with Admiral and get them to recover the vehicle?
I did call Greenflag and they recommended call the insurance. I started filing in the form for a claim and they asked about whether I wanted to use their approved repairs and I don’t know the answer to that question!
Damage looks to be a flat tire at the back, damaged tire at the front (it’s bulging), some damage to the rims and some light scratches to the paint work on the back bumper, and door.
Any help most gratefully received!
We have roadside assistance (Greenflag) and insurance (obviously, Admiral) and I’m just wondering what order I should do everything in.
Should we get Greenflag to recover us to the campsite? It’s late now and the garages are all shut. Or should I start a claim with Admiral and get them to recover the vehicle?
I did call Greenflag and they recommended call the insurance. I started filing in the form for a claim and they asked about whether I wanted to use their approved repairs and I don’t know the answer to that question!
Damage looks to be a flat tire at the back, damaged tire at the front (it’s bulging), some damage to the rims and some light scratches to the paint work on the back bumper, and door.
Any help most gratefully received!
Ooops!
Tight lanes. Big rocks.
Presumably not drivable. Sunday tomorrow. Not good!
If it were me, I’d get Green Flag to recover the vehicle and get the tyres repaired/ replaced.
If the rim damage means that this isn’t practical, then you have little option but to get the car transported back onto home turf. Green Flag should also be responsible for that.
Admiral ought to pick up the overall damage bill.
Good luck. Hope the holiday hasn’t been completely ruined.
Tight lanes. Big rocks.
Presumably not drivable. Sunday tomorrow. Not good!
If it were me, I’d get Green Flag to recover the vehicle and get the tyres repaired/ replaced.
If the rim damage means that this isn’t practical, then you have little option but to get the car transported back onto home turf. Green Flag should also be responsible for that.
Admiral ought to pick up the overall damage bill.
Good luck. Hope the holiday hasn’t been completely ruined.
Bad luck on the incident; hopefully sounds / looks worse than it actually is.
Regards the insurance side of things, the insurers recommended repairers aren't necessarily the manufacturers recommended repairers; it's your car - make sure it is taken to where you want. Porsche GB's list of recommended repairers covers the country so you shouldn't have any trouble finding one if you don't already know one; there may be different exclusions if you don't follow their route (withholding a courtesy car for example) but, pain now can mean the difference between happiness or not later......
Regards the insurance side of things, the insurers recommended repairers aren't necessarily the manufacturers recommended repairers; it's your car - make sure it is taken to where you want. Porsche GB's list of recommended repairers covers the country so you shouldn't have any trouble finding one if you don't already know one; there may be different exclusions if you don't follow their route (withholding a courtesy car for example) but, pain now can mean the difference between happiness or not later......
I ended up phoning Admiral this morning and it doesn’t look like much can be done today anyway, being as it’s a Sunday. Going to speak to their specialist team tomorrow hopefully, but might be able to get cover to get a temporary repair done locally (i.e., get some new tires fitted if that’s all that’s required ti get it road worthy) so long as I can find someone to do it. Lots of variables still at the moment!
Thanks for pointing me in the direction of Porsche GB clubs listed of recommended repairs. I’ll be sure to check that out before I agree anything.
Thanks for pointing me in the direction of Porsche GB clubs listed of recommended repairs. I’ll be sure to check that out before I agree anything.
Only comment I have is you knackered the tyres and alloys with potentially a little paint correction then you should should have paid for it out of your own pocket and taken the hit because long term this will cost you!! Next insurance renewal you are going to be royally ruined given you’ve not had insurance for long.
Hindsight eh?
In fact given the current financial crisis we are about to enter (and we’ve seen nothing yet trust me) then it might be worth you selling it as soon as you have it repaired because it’s only going to go down in value over the next 12 months and the massive increase in insurance premium may not be worth it!
Edited to add - I’ve just spent a week in Devon and I fully appreciate how bad the lanes can be so you have sympathy from me on this!
Hindsight eh?
In fact given the current financial crisis we are about to enter (and we’ve seen nothing yet trust me) then it might be worth you selling it as soon as you have it repaired because it’s only going to go down in value over the next 12 months and the massive increase in insurance premium may not be worth it!
Edited to add - I’ve just spent a week in Devon and I fully appreciate how bad the lanes can be so you have sympathy from me on this!
Edited by W12GT on Sunday 21st August 16:09
Edited by W12GT on Sunday 21st August 17:50
Do you think their quote for next year will be worse than my original quote before I had any no claims? I am operating on the assumption it will be broadly the same, although I could be wrong.
I haven't actually opened a claim with them yet. I've only notified them. The damage wasn't that bad in the end. I got two new tires to replace those damaged. The back wheel has had a chunk taken out of it, and there's some light scratches and scuffs to the body work.
I haven't actually opened a claim with them yet. I've only notified them. The damage wasn't that bad in the end. I got two new tires to replace those damaged. The back wheel has had a chunk taken out of it, and there's some light scratches and scuffs to the body work.
oldmanskateclub said:
Do you think their quote for next year will be worse than my original quote before I had any no claims? I am operating on the assumption it will be broadly the same, although I could be wrong.
I haven't actually opened a claim with them yet. I've only notified them. The damage wasn't that bad in the end. I got two new tires to replace those damaged. The back wheel has had a chunk taken out of it, and there's some light scratches and scuffs to the body work.
The no claims thing doesn't impact your underlying premium. It gives you a discount on that premium.I haven't actually opened a claim with them yet. I've only notified them. The damage wasn't that bad in the end. I got two new tires to replace those damaged. The back wheel has had a chunk taken out of it, and there's some light scratches and scuffs to the body work.
So, in any scenario, they price your risk and come up with a premium. Any claims in the last five years, along with everything else - your age, occupation, the car, driving record, where the car is kept etc etc - will be factored in when calculating that premium. If you have any no claims bonus, a percentage discount is then applied depending on how many years.
So, if you have protected no claims discount and make a claim, your underlying premium will go up. But your percentage discount will not be impacted.
W12GT said:
Only comment I have is you knackered the tyres and alloys with potentially a little paint correction then you should should have paid for it out of your own pocket and taken the hit because long term this will cost you!! Next insurance renewal you are going to be royally ruined given you’ve not had insurance for long.
Hindsight eh?
In fact given the current financial crisis we are about to enter (and we’ve seen nothing yet trust me) then it might be worth you selling it as soon as you have it repaired because it’s only going to go down in value over the next 12 months and the massive increase in insurance premium may not be worth it!
Edited to add - I’ve just spent a week in Devon and I fully appreciate how bad the lanes can be so you have sympathy from me on
Christ you are a cheerful individual aren’t you ! The guy was looking for advice and you have probably sent him into deep depression !! I do hope that you were ot really serious - strange sense of humour !Hindsight eh?
In fact given the current financial crisis we are about to enter (and we’ve seen nothing yet trust me) then it might be worth you selling it as soon as you have it repaired because it’s only going to go down in value over the next 12 months and the massive increase in insurance premium may not be worth it!
Edited to add - I’ve just spent a week in Devon and I fully appreciate how bad the lanes can be so you have sympathy from me on
Edited by W12GT on Sunday 21st August 16:09
Edited by W12GT on Sunday 21st August 17:50
W12GT said:
Only comment I have is you knackered the tyres and alloys with potentially a little paint correction then you should should have paid for it out of your own pocket and taken the hit because long term this will cost you!! Next insurance renewal you are going to be royally ruined given you’ve not had insurance for long.
Hindsight eh?
In fact given the current financial crisis we are about to enter (and we’ve seen nothing yet trust me) then it might be worth you selling it as soon as you have it repaired because it’s only going to go down in value over the next 12 months and the massive increase in insurance premium may not be worth it!
Edited to add - I’ve just spent a week in Devon and I fully appreciate how bad the lanes can be so you have sympathy from me on this!
To be honest there are so many assumptions in that post I would take it with a pinch of salt , no thats wrong I mean a large dollop Hindsight eh?
In fact given the current financial crisis we are about to enter (and we’ve seen nothing yet trust me) then it might be worth you selling it as soon as you have it repaired because it’s only going to go down in value over the next 12 months and the massive increase in insurance premium may not be worth it!
Edited to add - I’ve just spent a week in Devon and I fully appreciate how bad the lanes can be so you have sympathy from me on this!
Edited by W12GT on Sunday 21st August 16:09
Edited by W12GT on Sunday 21st August 17:50
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