Car dented in car park

blacksta

McKneff wrote: »

£100
:rotfl::rotfl::rotfl:

My small boot door from my KA was about £600.

OP, you still have to inform your insurance company whether you claim or not, its in your contract with them.

Maybe because you bought from kA - i Might be wrong

pitkin2020

Woody. wrote: »

If they decide it's civil ie not a criminal matter then why would they issue a crime number?

I didn't explain myself very well, whilst it will still be considered criminal damage they will still advise you to chase it as a civil matter. You will still get a crime ref number for reporting it whether or not its deemed criminal.

If you report someone for instance changing number plates that you deem suspicious they will assign a crime number to it, if they check it out and its not deemed to be anything criminal it will still have a crime ref number assigned to it!!

pitkin2020

scheming_gypsy wrote: »

personally i'd modify that to..

..... so you can contact the insurance company with a figure if you can trace the other person.

Well I thought that was obvious, but thanks for pointing it out for those with less than two braincells.

blacksta wrote: »

Or the other option is to forget about it - There is more to life than a small dent on a car loosing value every day.

Thats neither here or there that would be the OP's decision as to whether or not hes that bothered. Whilst you may drive a shed and it wouldn't bother you others take pride in their car and want it looking good. Horses for courses.

shaun_from_Africa

OP, you still have to inform your insurance company whether you claim or not, its in your contract with them

No he doesn't. He hasn't had an accident or a claim made against him.

It doesn't matter that it wasn't an accident or claim. Anything that could possibly affect you premium must be declared.

AA Insurance.

Please tell us right away if anything changes which might affect your insurance. If you’re not sure whether it’s
important, tell us just in case. Any changes which you don’t tell us about may mean that your policy is void.
We need to know about things like:

any claim, incident or loss

Churchill Insurance

accidents, thefts or losses (whether covered by insurance or not and regardless of blame) where these have not been previously reported to us

And all other insurers will have similar wording in their policies

scheming_gypsy

pitkin2020 wrote: »

Well I thought that was obvious, but thanks for pointing it out for those with less than two braincells.

i gathered you'd have known but you have the "you must tell your insurance company" brigade, who have finally appeared. So it was advising the OP in advance incase he did decide to tell them because it says it in the give us all your money section.

shaun_from_Africa

This might be the money saving forum, but what is wrong with giving correct advice about other matters as well?
It's up to the people reading the information given whether or not to take any notice of it, but at least knowing all the relevant facts allows them to make an informed choice.

fivetide

shaun_from_Africa wrote: »

It doesn't matter that it wasn't an accident or claim. Anything that could possibly affect you premium must be declared.

AA Insurance.


Churchill Insurance


And all other insurers will have similar wording in their policies

Christ! I got another stone chip this morning. Best ring up and report it before my insurance gets invalidated. I bet they have some sort of remote surveilance on my car to make sure i do just that!

Glad you tipped me off.

5t.

shaun_from_Africa

You can try to be as sarcastic as you like but this doesn't detract from the fact that what you posted earlier was incorrect.

The OP should inform their insurers if there has been any incident which might affect their insurance but It's up to any individual to choose to do this or not.
(and a stone chip wouldn't affect your insurance unless it did severe damage to the body or glass)

vax2002

A lot of dents can be removed with a can of chewing gum remover and a hair dryer.

fivetide

shaun_from_Africa wrote: »

You can try to be as sarcastic as you like but this doesn't detract from the fact that what you posted earlier was incorrect.

The OP should inform their insurers if there has been any incident which might affect their insurance but It's up to any individual to choose to do this or not.
(and a stone chip wouldn't affect your insurance unless it did severe damage to the body or glass)

The 'affect on insurance' is down to the potential for a claim based on the value of the car.

Insurers will accept that some wear and tear is inevitable will they not? If the dent is fixable, as mine was for just £40 with no actual damage done then there is no need to report it.

What the OP can't do is try to claim for it at a later date if he gets into another incident. You don't get asked what dents and scrapes are on the car when you go to insure a used car do you?

I stand by what I said, no need to report it.

5t.