Quoting for an accident

Quentin

yoshifumu wrote: »

Ok, but as I'm keeping my NCB, could I not just move to a different insurer. Or do they share non-claimed accidents as well?

You will now be on the database which just about all insurers use. But irrespective of this, you are obliged to disclose all losses (whether or not a claim was involved)

You will have to disclose this accident to all insurers when asking for quotes. (They ask for your history over 3/5 years).

NCB is quite different to your driving history!

yoshifumu

Lovely...

Well having now found this out! And the fact that putting my wife as the main driver instead of me (we drive equal amounts) will keep our premium no higher than it was this year, I told the insurance company I'd go through them. So hopefully no more problems!

I'll post back if there are any developments.

colino

Funnily enough a Ka driver, insured by Elephant, drove into the back of my wifes BMW a couple of years ago. As they realised and accepted their driver was negligent they negotiated over the phone and the cheque arrived the next day. On our beemer was an easy fix and the cheque soothed our pain.
At retail though, the damage you have done is a waaay over £500 and you should leave it up to them to fix both cars - that's why you pay insurance after all and to be honest a Ka pushing a 5 series bumper in far enough to show the outline of the reinforcing bar behind has absolutely sustained damage you can't see.
Yes your insurance will go up, but you damaged someone elses nice car and it helps to remind us all to pay attention.

Bravehearted_2

Off topic - have you checked that your brakes didn't fail.

I'm a worry-er and would be anxious about taking the car out again.

Different story if you misjudged and didn't squeeze hard enough (ironically, hope thats the case)

andrew-the-cat

That looks like the new F10 5 series. Not a great choice of car to crash in to.

Since I can only get BMW part prices for up to 2009 models (the F10 came out in 2010), take this price as a rough guide (you can more than likely expect the F10 to be more expensive).

BMW 5-Series E60 Facelift, Sedan

M Trim panel, bumper, rear (SA715)
Bumper trim panel, rear, painted

For vehicles with:
Park Distance Control (PDC) (S508A) = Yes

£789.00

Brooker_Dave

F_T_Buyer wrote: »

The damage is going to be more than £500

How so?

A scratched bumper?

Insurance companies repair almost everything these days, £300 may well see that done and dusted.

The hire car and the sore neck will be the expensive parts of the claim...

Obukit

Brooker_Dave wrote: »

Insurance companies repair almost everything these days, £300 may well see that done and dusted

And pigs may fly. One of my staff hit the back of someone's Mercedes 4x4, cost £1800 to fix much less damage than that.

Gone are the days when bumpers were a cheap piece of black plastic designed to minimise the damage of a shunt. The designer who invented colour-coded bumpers should be shot.

s_b

Obukit wrote: »

And pigs may fly. One of my staff hit the back of someone's Mercedes 4x4, cost £1800 to fix much less damage than that.

Gone are the days when bumpers were a cheap piece of black plastic designed to minimise the damage of a shunt. The designer who invented colour-coded bumpers should be shot.

lad i know hit a post with his £7000 twingo
dealer quoted £1000 for a bumper
so you are spot on
you couldnt make this up

Brooker_Dave

Obukit wrote: »

And pigs may fly. One of my staff hit the back of someone's Mercedes 4x4, cost £1800 to fix much less damage than that.

Gone are the days when bumpers were a cheap piece of black plastic designed to minimise the damage of a shunt. The designer who invented colour-coded bumpers should be shot.

They insist that most bumpers are repaired now.

Gone are days where you could put in for what ever you fancied and they'd go along with it.

s_b

Brooker_Dave wrote: »

They insist that most bumpers are repaired now.

Gone are days where you could put in for what ever you fancied and they'd go along with it.

a lot of the newest bumpers cant be repaired
so you are talking rubbish im afraid
if you knew what you were talking about you would be aware that the independant bodyshop is being strangled to the point of non existence
there isnt even in most cases an assessor of damage anymore you have to send digital photos to the insured with your glasses assessment of parts and labour and try and claim a few more hours at £25 an hour labour to cover eventualaties (something all bumped cars have )