£300 claim vs £150 excess

[owl10]

Evening BCFers

If some twonk couldnt judge the size of their vehicle and took off your wing mirror in a narrow lane, and disappeared befoe you could turn aroumd and catch them, and the repair would be £300 vs a "fault" claim with a £150 excess on own policy (bit higher claim value due to ambulance chasers and mgmt. companies jumping on the bandwagon) what would you do?

Fully comp protected no claims policy btw.

Cynic in me says not worth it due to subsequent premium rises but at the same time dont really want to splash £300 on a wing mirror.


(All the above is obvs hypothetical...)
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DanceLikeAMonkey says: "An infinte amount of web pages available
Yet I still end up reading crap like that"

[M.C]

[Polarbear]

Agree with MC, it's not worth claiming unless it's a big claim.

I've got protected no claims as well. I'm not sure how protected they would be if you had a claim though. I bet you get a (large) premium rise next renewal protected or not.
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[Wafer_Thin_Ham]

I wouldn't bother claiming. You'll pay more than £150 in extra insurance costs over the following 5 years where you have to declare it.
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[bugeye_bob]

[Copycat73]

[owl10]

It would seem that not many of my car (vw CC) came with powerfold mirrors as there arent any on the bay.

Called VW for a laugh to see how much they'd ask for a single powerfold mirror: £659 !

Non powerfolding version (second hand) in correct colour sourced for £132.

Its really bloody annoying though.

Transcend Drive Pro 200 wouldnt pick up the reg (unlit road) :(

TBH even if it could, on a narrow ish road with no centre markings and despite the other vehicle being clearly in the middle of the road and leaving no space eve if it did the ins co would only end up 50 50.

Of course id always inform the vultures....
But not needed here in this hypothetical example !! :lol:
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DanceLikeAMonkey says: "An infinte amount of web pages available
Yet I still end up reading crap like that"

[Polarbear]

[M.C]

[-]

Protected No Claims Bonus means very little. Any sniff of a claim and they'll still hike your policy even if you still have the NCB.

I had a Nepalese family try it on and pretended I reversed into their car in a layby. It was a clear scam and there was nobody in the car, no contact and no damage to either vehicle that could have been caused by contact between the rear of mine and the front of theirs. There were apparently 3 whiplash claims being pursued though, through Nepalese solicitor. Even though Admiral agreed and were fighting the case, my insurance trebled from £200 to £600 at renewal, even with the protected NCB. At this point the claim was still ongoing and we were still refusing liability.

The scammers gave up in the end after engineer reports showed no damage to my car and the alleged damage to their car (which I photographed with a measuring stick, then photographed the stick by my car at the scene to compare heights of bumper and their bonnet lip), would have been impossible due to the height of the dent.

The point is, whether you have protected NCB or not, any sniff of an ongoing or completed claim which can't be pinned on someone else's insurance and they'll shaft you.
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[Copycat73]

[t121anf]

Have to be over a couple of thousand before a claim is worth it.

Do a test on confused, one without the claim and one with a claim, note the difference.

Then remember you need to do this on all policies, bike, car, second car etc.

[owl10]

Cheers all.

Seems to be a case of suck it up, buttercup.

@ MC: The mirror itself does have different colour panels that can be changed but the housing was completely destroyed too.

I think the mk6 golf has the same mirror with different baseplate.

CC mirrors themseleves are pretty common enough - but it seems I bought one with a rarely chosen option (Powerfold : at least its rare on the CC). For now ill see if a non power folding one works, and most importantlyd if the side repeater on the mirror works like that too.
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DanceLikeAMonkey says: "An infinte amount of web pages available
Yet I still end up reading crap like that"

[iooi]

[Polarbear]

[M.C]

[Feasty]

My wife slid into a parked car (with the driver in it) in the snow a year or 2 ago. Only snagged his wing mirror and it was on an old Honda.
At the time the guy was happy for my wife to pay directly for the damage outside of insurance - save either of us a hike.
So we waited for him to check out prices and see how much it cost, he then came back with a dealership price - something stupid like £350.

I don't know if he was trying to con us and get more cash, but it just wasn't worth paying out that much as our excess was quite small - so we went through insurance. Means hikes all round but hey, can't help some people!
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Previous: Aprilia Habana Retro 50cc (beauty), Yamaha SR125 (fell apart), Honda XR125 (nippy little commuter), Honda SLR650 (Geewhizz), Yamaha Diversion 900S (Smoooooth) written off courtesy of a stupid escaped horse.
(7 year gap), BMW F650 (Relaxing ride). Aprilia Caponord ETV1000 (Big and bold). Yamaha FZS600 (got me in trouble too quick!).
Current: Yamaha TDM 900 (Comfy, light but big, power when needed).

[Polarbear]

[rpsmith79]

To be fair, i had a non fault claim on my car a few years back (dozy woman pulled out into the side of me)

The only damage to my car was a replacement alloy wheel and wheel arch trim, plus hire car for about 10 days

Whenever i'm asked to delcare it, i am always asked to put the cost of the claim, to which i have absolute,y no idea as i was never told to total cost (including hire car), so i just stick down £500 (seems reasonable for an alloy wheel and trim, and my insurance hasn't increased by any discernible amount in the past 4 years of declaring it, other than the usual rises expected in these days of customer loyalty


Seriously though, shopping around i generally find each years renewal at a very similar price, so no, a sub £500 claim should not cause any massive hikes in the next 5 years premiums

Best thing, is stick some fake details into go-compare, and do a quote with and without a claim, see how much of a difference it makes
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[M.C]

[rpsmith79]

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