Should I claim on car insurance?

beachie

Removed detail to protect my identity as post on other topics here.

Thank you very much everyone for your kind help.

scheming_gypsy

i'd just fix it myself, for the sake of the £125 difference it won't affect your insurance for the next 5 years compared to a fault claim.

pendulum

Based on those figures I would be fixing the car myself (or even getting a garage to do it), not going through insurance. It is quite an easy decision based on those figures.

Lum

Your premium will go up by £100, but that lasts 3-5 years (depending on insurer, so £300 - £500). There's also the PITA factor of it taking longer to get every single quote as you go over the accident over and over again.

Also the insurance repairer won't use the parts you bought, they'll supply their own leaving you stuck with a bumper or whatever that is no good to you. You will not be reimbursed for these parts.

May as well just carry on fixing it yourself.

beachie

Thanks for the advice. More reassurance I was doing the right thing more than anything else as was having doubts.

It is a shame these things cost so much.

Strider590

What's damaged?

blacksta

If it is a botched job - you might like the look of the Job or might be difficult to sell later

slyracoon

Even if you don't plan on claiming you must still inform your insurer (and depending on what type of animal you hit possibly also the police).

What type of animal was it?

InsideInsurance

Also what sort of animal is that you hit? With some the owner (which can be the Crown) can claim against you for the death of the animal

Lum

slyracoon wrote: »

Even if you don't plan on claiming you must still inform your insurer

Do this and you'll get increased premiums for the next 5 years and no benefit to yourself.

Don't do this and there will be no record of the event anywhere and you wont get the increased premiums.

Trebor16

If you have hit a horse, cattle, a s s, mule, sheep, pig, goat or dog then you will need to report it. Any other animal and there is no requirement to report the accident. Section 170 of the Road Traffic Act 1988 applies.