two car bump!!

bluecannary

Hi,

Two of the cars in our house have bumped into each other - not saying who did it!!:eek:
How do I go about claiming and do I have to pay both of the excesses on our policies?
Would be better off just paying to repair the car that has the most damage and leave the other one that only has a minor scratch - it might be cheaper doing it this way.
Any advice would be great.

vaio

If it's scratch level damage then I'd be staggered if the combination of excesses, lost NCB, loaded future premiums and general hassle made it even remotely worth getting insurance companies involved

Quentin

If you want to claim, then explain the circs to your insurer - if one driver is liable, then you only have one excess to pay. If it's a split liability you have 2 to pay.

(If you only claim for one car, then you have one excess to pay, irrespective of who dunnit!)

bluecannary

Thanks for the replies.

Hadn't thought if I only claim damage on one then only one NCB at risk and one excess.
I suppose if I take it to a repair centre and find out likely cost to repair the car with the dent and damage, then take it from there.

vaio

If car A hit car B…..

If you claim for the damage to car B you’ll end up with a fault claim on A and a non fault claim on B. You’ll certainly get a loading for the fault claim and lots will also load for the non fault. Plus you’ll lose some NCB on A but no excess to pay.

If you claim for the damage to car A you’ll end up with the same claims & loadings as above. Plus you’ll lose some NCB on A and have to pay the excess on A.

Also, check your policies wording as some won’t pay if the driver of the at fault car owns the car he hits (and no doubt others will exclude other combinations of ownership/fault)