Insurance claim for two sets of damage?

ackoman

Hi all,

I’ve got a quandary – a few months ago my car was reversed into whilst parked in a car park, and the right hand side front wing has been caved in. I’ve not been able to trace the perpetrator and as such I am intending to get the damage repaired under my insurance as a “malicious damage” claim (I did look at paying to get the repair made without going through the insurance, but it was going to cost approx £600).

This weekend, I was helping my brother in law out doing some heavy work in his back garden and we managed to drop something onto my car and we have put some small dents into the opposite wing of my car. He has offered to pay to get the damage repaired, as it was essentially his fault. I have had a quote of £90 to get these small dents repaired, but that seems disconcertingly cheap and I don’t want to have a repair made that I won’t be satisfied with.

Therefore I was thinking that perhaps I could get both repairs made by my insurers. But, if I phone my insurance company and put in a claim to get my car fixed, and tell them about both sets of damage, will this essentially count as two claims and therefore would I have to pay two lots of excess?

Any advice would be much appreciated.

Ackoman

mikey72

ackoman wrote: »

Hi all,

I’ve got a quandary – a few months ago my car was reversed into whilst parked in a car park, and the right hand side front wing has been caved in. I’ve not been able to trace the perpetrator and as such I am intending to get the damage repaired under my insurance as a “malicious damage” claim (I did look at paying to get the repair made without going through the insurance, but it was going to cost approx £600).

This weekend, I was helping my brother in law out doing some heavy work in his back garden and we managed to drop something onto my car and we have put some small dents into the opposite wing of my car. He has offered to pay to get the damage repaired, as it was essentially his fault. I have had a quote of £90 to get these small dents repaired, but that seems disconcertingly cheap and I don’t want to have a repair made that I won’t be satisfied with.

Therefore I was thinking that perhaps I could get both repairs made by my insurers. But, if I phone my insurance company and put in a claim to get my car fixed, and tell them about both sets of damage, will this essentially count as two claims and therefore would I have to pay two lots of excess?

Any advice would be much appreciated.

Ackoman

You'll be hit with two claims, lose two lots of ncd, and your insurance will be increased heavily.

I would be inclined not to mention it, and get it repaired privately.

forgotmyname

5 years+ no claims?

Drop to 3 years for the 1st wing, And another 1 - 3 for the 2nd?

Protected no claims? Still valid if no 3rd party is involved to claim from?

Even then though the premium is likely to rise a lot more than £90. And will need declaring for 5 years.