Car insurance claims

[planetit]

Well yes, but only a spanner would do so for a minor shunt being settled privately. Shhhh... mum's the word.

Haven’t we been through all this before? Didn’t something like this happen to Atw last year?

We told him not to inform the insurance company as his renewal premium would go through the roof.

Might be why his renewal premium went through the roof.

[AtW]

Haven’t we been through all this before? Didn’t something like this happen to Atw last year?

It happened 2 years ago - was not my fault, it was my sister who opened the door of the car and it scratched side of the car passing by us. They filed a claim - I was too late to offer settle it privately, but I paid off £840 to insurance company so there was no claim on my behalf, though as accident it was recorded and duly passed by me to any new insurer, including current.

In this case I thought it would cost less because its a FKING bumper bends - very small, I was not doing 5 mph at the time - I broke hard and it barely kissed it - I looked at my car front few times and I can't see evidence of hit! That's why these major issues with structural crap are a bit of a bummer, but I need to see it through.

I know that if claim is filed then it will cost me at least 2k over 5 years, probably more - most likely 3k extra, so it seems to make sense to just buy fking car off the guy for 3-4k (max) and sell it for parts. I am still waiting for final analysis from Audi - if its under £1,500 then I'd just pay, even though I hate such a waste of money but what can I do?

My renewal premium now is £550 vs £1100 when I started 3 years ago without NCB - strangely enough it was cheaper in dodgy part of Wolves rather than in good part of Brum.

[threaded]

strangely enough it was cheaper in dodgy part of Wolves rather than in good part of Brum.

That will be because of the postcode.
A longer postcode will get you a cheaper premium.
Get out of the mindset of thinking insurance is anything to do with risk. It is all about how much money they can scam out of you, which leads to some really weird things like the length of postcode influencing your insurance quote.
If you claim then you have a history of causing a cost. Perversly the effect of this is nothing to do with the cost of the claim, but how much the insurance company has to factor in for the contracted in loss adjusters. Do remember that nearly every insurance company is actually a glorified sales operation, everything, including the biros on their desks, is contracted out to specialist companies^H^H^H^H^H^H^Hcheapest operation that would sign any bollox contract.

[AtW]

A longer postcode will get you a cheaper premium.

Longer as in pixel's width using standard non-fixed width Windows font?

[threaded]

Yeps that kinda thing.