Reply to: Car insurance claims

[threaded]

Yeps that kinda thing.

[AtW]

A longer postcode will get you a cheaper premium.

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

[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]

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.

[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.

[Gunnery Sergeant Highway]

You do realise that you have to inform your current insurer, don't you?

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

[AtW]

zeitghost - my car was scratched a few times on a side, should I inform insurer about it as well? Perhaps even put claim forward and pay for it myself since it will be under excess? Feck off! I barely touched the car in front of me - front of my car has not even got a scratch ffs!

[Bagpuss]

You do realise that you have to inform your current insurer, don't you?

You are supposed to, even accidental damage! but who does!

Al so worth noting protected no claims discount is a con. You just keep the discount but your premium is readjusted upwards for the claim.

[AtW]

I may do it - will wait until get final info whether its just bumper+bits or bigger structural things that Audi was warning about saying they are pretty sure it is, in which case it would cost "a lot more" than quoted £800. They are worse than laywers.

[sb5spa]

Damage

why not instruct a firm of independant mechanical engineers to report on the damage to the vehicle. It may cost you £200 to £300 but it could save you a packet. They will be able to identify the actual damage caused to the vehicle by the collision and to indicate a reasonable cost for repairing the same. Try a search on the BT site for business types - you should find quite a few mechanical engineers in the B'ham area.

[Rebecca Loos]

it's one of my new years resolution you see - politeness and good manners. I'll give it a go and see if it leads me anywhere

[Lucifer Box]

thank you

You're very welcome.

Gosh, what a nice, polite place this forum is today.

[AtW]

threaded, how about I give you £1k in cash and you use your time machine to sort this problem for me?

[threaded]

AtW: Rear ending twats ought to be banned from driving.

[Rebecca Loos]

thank you