gazza808
Member
Registered: 30th Jun 08
Location: Peterborough
User status: Offline
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had a knock friday morning. Asked the guy if we could do it outside insurance. He said fine he'd get a quote. It's come in at 1400quid which i think is abit extreme. Do i pay it. Or go through insurance loose my 2years no claims. Have to pay 500quid excess and the rest of my policy? I could get his price down alot as i've seen a door on ebay for his same colour. Dunno what to do really. Advice?
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Pridzz
Member
Registered: 18th Nov 08
Location: Exmouth - Devon
User status: Offline
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Tell him theres a credit crunch.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Either pay what he wants or go through insurance.
In this case probably through insurance.
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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Tbh, imagine your in his shoes, would you want him to buy you a door off ebay? 
Insurance sounds best bet.
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BarnshaW
Member
Registered: 25th Oct 06
User status: Offline
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1400 sounds a bit more then a knock?
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antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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Depends what car it is, what paint etc
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gazza808
Member
Registered: 30th Jun 08
Location: Peterborough
User status: Offline
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no it's a brand new door not a second hand one lol.
just done the maths got a few quotes. less hassle to go through the insurance, and thought about it even if i did pay the git could claim off my insurance any way lol.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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Get some more quotes.. surely if you can get it down to £1000 it makes more sense to pay and avoid insurance 
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John
Member
Registered: 30th Jun 03
User status: Offline
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Doesn't matter how much he can get quotes for, the guy he hit got one for 1400 and that's where he'll want to take it.
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gazza808
Member
Registered: 30th Jun 08
Location: Peterborough
User status: Offline
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he's been pretty good about it really he got 3 quotes all around that price just abit of a bummer.
going through insurance it will only cost me 500quid max including how much my insurance will go up. just a shamus really.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by John
Doesn't matter how much he can get quotes for, the guy he hit got one for 1400 and that's where he'll want to take it.
Not true.. IF He just wants his car fixed. IF he's trying to pull a fast one you'll never win so dont bother playing the game 
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John
Member
Registered: 30th Jun 03
User status: Offline
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I'd want my car to go where I wanted, not where you found the cheapest quote, that's not pulling a fast one.
He'll get his car fixed where he wants if its through the insurance.
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Warren G
Member
Registered: 14th May 06
Location: Kent
User status: Offline
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you DONT have to pay excess if you dont have you car fixed
go though insurance
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gazza808
Member
Registered: 30th Jun 08
Location: Peterborough
User status: Offline
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quote:
Originally posted by Warren G
you DONT have to pay excess if you dont have you car fixed
go though insurance
that include if i'm tpft?
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John
Member
Registered: 30th Jun 03
User status: Offline
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You won't get your car fixed if you're tpft so don't have to pay excess, i think.
[Edited on 22-02-2009 by John]
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oceansoul
Member
Registered: 19th Jun 06
Location: Sunbury, Surrey
User status: Offline
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quote:
Originally posted by Warren G
you DONT have to pay excess if you dont have you car fixed
Who told you that? IMO Its wrong. Your insurance company are paying for the repairs to the third party, therefore you pay the excess on your policy.
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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Go through the insurance mate. Your insurance certainly isnt gonig to jump up £1400 without the 2yrs NCB.
[Edited on 22-02-2009 by johnhara1]
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gazza808
Member
Registered: 30th Jun 08
Location: Peterborough
User status: Offline
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yeahh even paying excess and extra money for next years insurance it'll be much less
cheers guys
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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you only pay the excess if you are claiming, not the other person
i didnt pay anything when i hit another car, as i didnt have mine repaired through insurance, even though the other car was
E36 328
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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well what about 3rd party they only pay out if you hit someone/thing else so does that mean everyone that is third party doesnt have a excess becuase there car cannot be repaired?
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by Warren G
you DONT have to pay excess if you dont have you car fixed
go though insurance
Only if its 3rd party liability and you go through the 3rd party.. If its your fault you have to cough up.. Thats the whole point of excess, it means in the event of low value accident the insurers dont have to pay out as you cover it
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StueyBoy1989
Member
Registered: 22nd Feb 07
Location: North West London
User status: Offline
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But the accident will be on your record fr 5 years, so will it in the five year time span cost you over 1500 quid? how old are you? what sort of car do you have? do you want to get something newer sooner? etc.
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gazza808
Member
Registered: 30th Jun 08
Location: Peterborough
User status: Offline
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to be fair my insurance won't really change, and if i do pay out then the nob goes and claims any way i'd be super out of pocket. to be fair going through insurance i've protected and will cost me about 10percent of not
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StueyBoy1989
Member
Registered: 22nd Feb 07
Location: North West London
User status: Offline
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fair enough your own decision, have you got protected no claims? not that i know how these work? but still another thing to bare in mind.
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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He only has 2yrs NCB, cant protect them until 4yrs or more mate.
Gazza808, unless your can afford the £1400 then just go through the insurance mate. Thats what it's there for.
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