Thinking of cancelling insurance claim
Discussion
I have an open insurance claim on my car and have been waiting since mid July for the workshop to take the car in for repairs to the front wing (a large dent but the paint is damaged / cracked), scuffs to the wheel arch trim, side of the front bumper and the alloy wheel.
It’s an ‘at fault’ claim, the details of which we don’t need to delve into so it’s not as if someone elses insurance company is paying - this one's down to me.
I’m thinking of cancelling the claim for the following reasons:
What’s the reaction of the insurance company going to be when I ask them to cancel the claim? I assume I will have an incident on my record, but with £0 claim cost and hence a possible premium rise next year, if not any impact on my no claims (which is protected anyway).
It’s an ‘at fault’ claim, the details of which we don’t need to delve into so it’s not as if someone elses insurance company is paying - this one's down to me.
I’m thinking of cancelling the claim for the following reasons:
- My total excess is £600, and I can probably get it fixed locally / ChipsAway for that anyway.
- I’m not entirely sure why I claimed on the insurance, probably thinking that it’s what insurance is for.
- I don’t think any parts (e.g. new wing) have been ordered as the repair company have just had a set of photos of the car to do an initial estimate, nor what the back log in parts supply is for what might be a relatively scarce part (the car’s a hybrid with the charging flap in the front wing).
- It’s been 3 months already since the incident and now we’re heading into winter, I don’t fancy driving around in a i10 / C1 / whatever minimum spec and size courtesy car through winter for however long this is going to take – I assume it could be months.
- My other car will be SORNed for the winter (wet roads and salt evasion purposes), I could get the car fixed next spring when the other car’s back on the road.
What’s the reaction of the insurance company going to be when I ask them to cancel the claim? I assume I will have an incident on my record, but with £0 claim cost and hence a possible premium rise next year, if not any impact on my no claims (which is protected anyway).
Edited by Dashnine on Monday 17th October 10:45
If the claim is on their system I suppose you might need to remember to declare it, even at zero value, if you change insurers. You don't want to end up in a situation where a failure to disclose it invalidates a future claim. No doubt someone will be along shortly to tell me I'm talking rubbish, maybe I am.
Dashnine said:
I have an open insurance claim on my car and have been waiting since mid July for the workshop to take the car in for repairs to the front wing (a large dent but the paint is damaged / cracked), scuffs to the wheel arch trim, side of the front bumper and the alloy wheel.
It’s an ‘at fault’ claim, the details of which we don’t need to delve into so it’s not as if someone elses insurance company is paying - this one's down to me.
I’m thinking of cancelling the claim for the following reasons:
Are there any other things I should be considering, is this a good or bad idea?
What’s the reaction of the insurance company going to be when I ask them to cancel the claim? I assume I will have an incident on my record, but with £0 claim cost and hence a possible premium rise next year, if not any impact on my no claims (which is protected anyway).
You'll keep your no claims discount but your policy will increase next year.It’s an ‘at fault’ claim, the details of which we don’t need to delve into so it’s not as if someone elses insurance company is paying - this one's down to me.
I’m thinking of cancelling the claim for the following reasons:
- My total excess is £600, and I can probably get it fixed locally / ChipsAway for that anyway
- I’m not entirely sure why I claimed on the insurance, probably thinking that it’s what insurance is for.
- I don’t think any parts (e.g. new wing) have been ordered as the repair company have just had a set of photos of the car to do an initial estimate, nor what the back log in parts supply is for what might be a relatively scarce part (the car’s a hybrid with the charging flap in the front wing).
- It’s been 3 months already since the incident and now we’re heading into winter, I don’t fancy driving around in a i10 / C1 / whatever minimum spec and size courtesy car through winter for however long this is going to take – I assume it could be months.
- My other car will be SORNed for the winter (wet roads and salt evasion purposes), I could get the car fixed next spring when the other car’s back on the road.
Are there any other things I should be considering, is this a good or bad idea?
What’s the reaction of the insurance company going to be when I ask them to cancel the claim? I assume I will have an incident on my record, but with £0 claim cost and hence a possible premium rise next year, if not any impact on my no claims (which is protected anyway).
sxmwht said:
Dashnine said:
I have an open insurance claim on my car and have been waiting since mid July for the workshop to take the car in for repairs to the front wing (a large dent but the paint is damaged / cracked), scuffs to the wheel arch trim, side of the front bumper and the alloy wheel.
It’s an ‘at fault’ claim, the details of which we don’t need to delve into so it’s not as if someone elses insurance company is paying - this one's down to me.
I’m thinking of cancelling the claim for the following reasons:
Are there any other things I should be considering, is this a good or bad idea?
What’s the reaction of the insurance company going to be when I ask them to cancel the claim? I assume I will have an incident on my record, but with £0 claim cost and hence a possible premium rise next year, if not any impact on my no claims (which is protected anyway).
You'll keep your no claims discount but your policy will increase next year.It’s an ‘at fault’ claim, the details of which we don’t need to delve into so it’s not as if someone elses insurance company is paying - this one's down to me.
I’m thinking of cancelling the claim for the following reasons:
- My total excess is £600, and I can probably get it fixed locally / ChipsAway for that anyway
- I’m not entirely sure why I claimed on the insurance, probably thinking that it’s what insurance is for.
- I don’t think any parts (e.g. new wing) have been ordered as the repair company have just had a set of photos of the car to do an initial estimate, nor what the back log in parts supply is for what might be a relatively scarce part (the car’s a hybrid with the charging flap in the front wing).
- It’s been 3 months already since the incident and now we’re heading into winter, I don’t fancy driving around in a i10 / C1 / whatever minimum spec and size courtesy car through winter for however long this is going to take – I assume it could be months.
- My other car will be SORNed for the winter (wet roads and salt evasion purposes), I could get the car fixed next spring when the other car’s back on the road.
Are there any other things I should be considering, is this a good or bad idea?
What’s the reaction of the insurance company going to be when I ask them to cancel the claim? I assume I will have an incident on my record, but with £0 claim cost and hence a possible premium rise next year, if not any impact on my no claims (which is protected anyway).
I once put in a claim for front wing damage on my old A4, then later decided to pay out myself. I of course had to declare the accident, but as far as my insurers were concerned (the dog named after our wartime PM) once I’d cancelled my claim, there was no claim.
It made £0 difference to my policy come renewal.
It made £0 difference to my policy come renewal.
As mentioned above the claim has been reported and will be on the CUE (Claims Underwriting Exchange) database, regardless if a payout is made.
Not a problem if you do decide to pay the claim yourself but please make sure when you shop around to put down the incident even at £0 costs as yes some insurers will increase your policy for having an incident whether fault or non fault and some insurers it will make no difference.
No point in cliaming for anything under £1500 these days especially when you have a £600 excess.
Not a problem if you do decide to pay the claim yourself but please make sure when you shop around to put down the incident even at £0 costs as yes some insurers will increase your policy for having an incident whether fault or non fault and some insurers it will make no difference.
No point in cliaming for anything under £1500 these days especially when you have a £600 excess.
As it has the charging port in the wing the car will also need a full power down before it can be worked on, this could be anything up to a couple of hours labour to start with.
You also need someone whos competent in EV repairs or they could end up dead from the high voltage cables.
Without knowing what the car is its all guess work but Id say it would be over £1500 to put a wing on it and blend the adjoining panels to do a good job.
Parts prices are going stupid along with some on long lead times due to availability.
You also need someone whos competent in EV repairs or they could end up dead from the high voltage cables.
Without knowing what the car is its all guess work but Id say it would be over £1500 to put a wing on it and blend the adjoining panels to do a good job.
Parts prices are going stupid along with some on long lead times due to availability.
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