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Author bumped car - what would you do?
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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1st May 13 at 15:13   View Garage View User's Profile U2U Member Reply With Quote
Then he's still £800 up
LeeM
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Registered: 26th Sep 05
Location: Liverpool
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1st May 13 at 15:57   View User's Profile U2U Member Reply With Quote
exactly
am4nf
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Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
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1st May 13 at 16:11   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by A2H GO
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]


Thats called TPFT
LeeM
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Registered: 26th Sep 05
Location: Liverpool
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1st May 13 at 16:27   View User's Profile U2U Member Reply With Quote
fully comp with a high excess can be cheaper than tpft though
M2RTY
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Registered: 25th May 01
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1st May 13 at 18:34   View User's Profile U2U Member Reply With Quote
Fully comp allows me to get mine fixed on the same claim, tpft wouldnt
LeeM
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Registered: 26th Sep 05
Location: Liverpool
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1st May 13 at 19:57   View User's Profile U2U Member Reply With Quote
but that will cost you £600, claim for hers and fix yours for £150
3CorsaMeal
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Registered: 11th Apr 02
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1st May 13 at 20:04   View User's Profile U2U Member Reply With Quote
Quit your job, move far away, grow a beard and change your name.
baza31
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Registered: 19th Apr 03
Location: yorkshire
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1st May 13 at 20:37   View User's Profile U2U Member Reply With Quote
Burn car out. Once she gets in it
M2RTY
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Registered: 25th May 01
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1st May 13 at 20:40   View User's Profile U2U Member Reply With Quote
so if i claime just for hers i dont pay? never dealt with insurance before but that doesnt seem right? I always thought i had to pay my excess if i was at fault regardless of what i was claiming for - mine, hers etc?

also - is there a set period of time i need to make the claim? like 48 hours etc

thanks
M2RTY
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Registered: 25th May 01
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1st May 13 at 20:46   View User's Profile U2U Member Reply With Quote
websites are misleading

some say excess is paid for any claim

some say excess is paid for claim on my own car

company is axa - need to ring them tomorrow as my head hurts lol
stan_the_man
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Registered: 14th Feb 07
Location: Perth, Western Australia
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2nd May 13 at 15:23   View User's Profile U2U Member Reply With Quote
Pics of girl tbh.
M2RTY
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Registered: 25th May 01
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13th May 13 at 21:54   View User's Profile U2U Member Reply With Quote
Claimed on insurance for hers

No excess to pay

150 for mine private

Worked out well

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