Car damage advice

follows2006

hethmar wrote: »

If its just dented/scratched, they will panel beat and respray, not replace them.

what about creases?

property.advert

Same year Astra and some clown hit us in July. Front wing smashed, bumper and edge of door impacted, rear quarter also damaged, plus two tyres. Required half respray after replacement parts etc.

Bill was around £3.5k from main dealer. I guess an independent could have been cheaper, much so if some corners were cut. However, if you do a bodge job, you'll lose out at resale.

It sounds to much to do it yourself though you have to factor in the future costs. Do not do this with comparison sites as they simply do not pass on the correct information to the insurers, you have to do it with their own websites.

If no claim means a £400 premium with 5 years or 60% (or whatever) NCB whereas the base increases from £1000 to £1500 and a only 30% NCB, then you'll pay £1050 instead of £400 or £650 more. Extrapolate that out going forward until this claim falls off your record and you can hypothesise with some limited accuracy just what your total break even point will be.

My guess is that if the damage is over £1000 after your excess then you may well be better off claiming.

follows2006

property.advert wrote: »

Same year Astra and some clown hit us in July. Front wing smashed, bumper and edge of door impacted, rear quarter also damaged, plus two tyres. Required half respray after replacement parts etc.

Bill was around £3.5k from main dealer. I guess an independent could have been cheaper, much so if some corners were cut. However, if you do a bodge job, you'll lose out at resale.

It sounds to much to do it yourself though you have to factor in the future costs. Do not do this with comparison sites as they simply do not pass on the correct information to the insurers, you have to do it with their own websites.

If no claim means a £400 premium with 5 years or 60% (or whatever) NCB whereas the base increases from £1000 to £1500 and a only 30% NCB, then you'll pay £1050 instead of £400 or £650 more. Extrapolate that out going forward until this claim falls off your record and you can hypothesise with some limited accuracy just what your total break even point will be.

My guess is that if the damage is over £1000 after your excess then you may well be better off claiming.

So i takeit yours was wrote off?