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M2RTY

Member

Registered: 25th May 01
User status: Offline

30th Apr 13 at 20:51

been driving 12 years, had a shit year so far and to make things worse i reversed into a lass at works car in the works carpark. scuff on my bumper (2010 bmw m sport convertible), damage to rear 1/4 behind the door on her 2007 VW eos diesel.

I pay 300 quid to insure with axa, mods declared, protected NCB (10 years) and total excess is £600

Shes been to 1 place so far for a quote for my to pay to fix hers, came back as £900 which I thinks very steep, then about £150 on top to respray my bumper too

Would you go through insurance or pay the £600 excess? I wont lose my NCB but my policy will go up due to the claim - not sure by how much?

Thanks

Martyn

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

30th Apr 13 at 20:55

you can't say it's steep, she's done you a favour by giving you the choice of paying cash to fix it.

go through insurance, it won't go up £900 that's for sure.

IvIarkgraham

Premium Member

Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline

30th Apr 13 at 20:57

it will go up £300 though. pay the £900 imo if you have it

Kyle T

Premium Member

Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline

30th Apr 13 at 20:59

No chance of taking it to a few people for some more quotes?

Lotus Elise 111R

Impreza WRX STi

Jambo

Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline

30th Apr 13 at 21:01

To through insurance. Too risky to not, or you pay £900 (!) and she then goes through insurance afterwards anyway. No legal leg to stand on

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

30th Apr 13 at 21:03

quote:
Originally posted by IvIarkgraham
it will go up £300 though. pay the £900 imo if you have it

are you trolling?

AndyCorsaSport

Member

Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline

30th Apr 13 at 21:40

quote:
Originally posted by Ben G
you can't say it's steep, she's done you a favour by giving you the choice of paying cash to fix it.

This.

Insurance. That way can get yours done too for the £600. Instead of £1050. Can't see your insurance going up £450.

Why such a big excess also??

VegasPhil

Premium Member

Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline

30th Apr 13 at 21:41

I'd insurance it and be done with it.

Corsa 2.0 16v Vegas - Sold

Tomnova16

Premium Member

Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
User status: Offline

30th Apr 13 at 21:48

Insurance. It's what it's there for

http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter

_Allan_

Member

Registered: 24th Mar 04
User status: Offline

30th Apr 13 at 23:30

Insurance job then shit in her desk drawer.

IvIarkgraham

Premium Member

Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline

1st May 13 at 02:43

quote:
Originally posted by Ben G

quote:
Originally posted by IvIarkgraham
it will go up £300 though. pay the £900 imo if you have it

are you trolling?

are you?

if he goes through insurance then he'll have to pay £600 excess and inflated premiums for 3-5 years

or pays £900 on off and his premiums stay the same/go down year by year

M2RTY

Member

Registered: 25th May 01
User status: Offline

1st May 13 at 05:37

Upping excess by 200 quid brought my costs down 100 quid so ive easily saved over the last few years

gazza808

Member

Registered: 30th Jun 08
Location: Peterborough
User status: Offline

1st May 13 at 06:22

Insurance.
I had to claim the other year, my policy went up 25quid the year after.
Also your covered if say they do a shit job etc, doesn't come out of your pocket.

pow

Premium Member

Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline

1st May 13 at 08:58

Insurance, you pay them for a reason

LeeM

Member

Registered: 26th Sep 05
Location: Liverpool
User status: Offline

1st May 13 at 10:26

claim on insurance for hers, pay for yours yourself. if you dont claim for your own damage theres no excess to pay

flybikeslee

Member

Registered: 2nd Jan 07
Location: Liverpool
User status: Offline

1st May 13 at 10:39

have her car stolen

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

1st May 13 at 11:24

quote:
Originally posted by IvIarkgraham

quote:
Originally posted by Ben G

quote:
Originally posted by IvIarkgraham
it will go up £300 though. pay the £900 imo if you have it

are you trolling?

are you?

if he goes through insurance then he'll have to pay £600 excess and inflated premiums for 3-5 years

or pays £900 on off and his premiums stay the same/go down year by year

i must be missing something. i thought you only pay your excess if you need repairs on your own vehicle, whereas the repairs on the other vehicle is covered. so he'd only need to pay £150 instead of £600 if going through insurance.

A2H GO

Member

Registered: 14th Sep 04
Location: Stoke
User status: Offline

1st May 13 at 11:40

quote:
Originally posted by LeeM
If you dont claim for your own damage theres no excess to pay

How have I only just heard of this.

So if you have a shitter that you wouldn't be bothered about fixing up yourself, you could put your excess at £1000, if you crash you don't pay it anyway?

[Edited on 01-05-2013 by A2H GO]

JordyCarter

Member

Registered: 14th Mar 10
User status: Offline

1st May 13 at 11:54

ive always assumed excess it just what you put towards the costs regardless if it was your car or not ??

3CorsaMeal

Member

Registered: 11th Apr 02
User status: Offline

1st May 13 at 12:10

Hate insurance when people need it they are scared to useit. what a con

Ian W

Member

Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline

1st May 13 at 12:46

quote:
Originally posted by Tomnova16
Insurance. It's what it's there for

A2H GO

Member

Registered: 14th Sep 04
Location: Stoke
User status: Offline

1st May 13 at 13:07

quote:
Originally posted by 3CorsaMeal
Hate insurance when people need it they are scared to useit. what a con

Agreed. I find old people use it to blackmail young people too.

LeeM

Member

Registered: 26th Sep 05
Location: Liverpool
User status: Offline

1st May 13 at 14:42

quote:
Originally posted by JordyCarter
ive always assumed excess it just what you put towards the costs regardless if it was your car or not ??

no its towards your own claim for damages. you pay it for repairs or its taken off the value of a total loss. third party claims arent subject to an excess.

IvIarkgraham

Premium Member

Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline

1st May 13 at 14:54

quote:
Originally posted by Ben G

quote:
Originally posted by IvIarkgraham

quote:
Originally posted by Ben G

quote:
Originally posted by IvIarkgraham
it will go up £300 though. pay the £900 imo if you have it

are you trolling?

are you?

if he goes through insurance then he'll have to pay £600 excess and inflated premiums for 3-5 years

or pays £900 on off and his premiums stay the same/go down year by year

i must be missing something. i thought you only pay your excess if you need repairs on your own vehicle, whereas the repairs on the other vehicle is covered. so he'd only need to pay £150 instead of £600 if going through insurance.

never knew that?

insurance then!

LeeM

Member

Registered: 26th Sep 05
Location: Liverpool
User status: Offline

1st May 13 at 15:00

i can see insurance going up £100, especially with protected ncd.

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