minor, minor bump - mega cost and worry

Strider590

vwallis wrote: »

This morning he's called to say that there's a dent behind the bumper ( neither he nor my husband had seen it) and that the garage has quoted £450.00 - but if it is an insurance claim then the cost will be £1,100 - I am totally confused. I would think the cost would be the same either way?

Insurance companies use contracted garages for the work and they make profit from the repairs. Repair cost through insurance is more or less a case of do the quote and tripple it.

sassy_one

I would put it through the insurance company OP, that way you have peace of mind knowing you have done things by the book and haven't the worry of the costs involved being correct or otherwise

tomstickland

As soon as it's an insurance job they increase the price drastically.

sassy_one

tomstickland wrote: »

As soon as it's an insurance job they increase the price drastically.

Because they know the insurance company will foot there overpriced work!

Flying-High_2

sassy-one wrote: »

Because they know the insurance company will foot there overpriced work!

Correct... And there is a cut off point figure where they most Ins companies wont even send an assessor out... So I should Imagine most work comes to juts under the cut off figure

Have a Mate who runs a small bodyshop and hes done a few jobs for my Dad and he was telling me the ins and outs of it...

vwallis

Thanks again for all your advice.
It seems that the car my husband bumped is a 2002 fiesta and the damage ie the two dents in the bumper where my husbands number plate hit his car and the subsequent dent underneath the number plate (beware of this as neither my husband or the person driving the car had seen it), means £1100 - and a possible write off. Unbelievable- but hey ho not a lot we can do.
Cheers to you all again! Happy and safe motoring

mcjordi

if its the older mk5 shape then all most certainly a write off..

Gordon_Hose

Quentin wrote: »

Bit rich coming from someone who posted this utter rubbish:



No doubt some insurers ask for 5 years history.

But until you have tried them all, maybe you shouldn't try this pointless point scoring!

I don't have the inclination to engage with you by wasting time looking. But I do know direct line only want 3 years history.

I'm with Direct Line, and can confirm that for convictions they want 5 years history, accidents/claims they want 3 years history.

Quentin

Gordon_Hose wrote: »

I'm with Direct Line, and can confirm that for convictions they want 5 years history, accidents/claims they want 3 years history.

The discussion/spat on here was concerning the history needed for claims.

(5 years is the norm for insurers wanting to know conviction history)

cyclonebri1

Quentin wrote: »

The discussion/spat on here was concerning the history needed for claims.

(5 years is the norm for insurers wanting to know conviction history)

You need to factor what the loss of your NCB will be in £s due to the fact that you don't have PNCD. That's this year, the next and however long it takes to regain (assumption) max NCB. Balance that against the repair.

Condidering this a case of a fairly old car with just minor damage to the bumper, (the dents behind the No plate do seem irrelevant), maybe a cash offer of say £200 to end the matter would be appropriate. It may just work, could save you money but is totally dependant on the other parties view.

Apologuies Quentin, this was meant as a general post, not a quote of your last post.

From an independant stand point, if you recieved 2 minor dents to the bumper of an 8 year old car would you prefer them fixing or 200 notes in the wallet, worth a shot??