£650 worth of damage, worth claiming?

neilmcl

So the quote is £650 but on top of that you will be supplying a new/replacement door yourself? So what will be your final outlay? Depending on your excess it may well be cheaper to stick with the insurance.

neilmcl

smashingyour... wrote: »

Oh alright, it says that in your policy document does it?

No, but it does tell you to inform them of any accidents that may result in a claim. As no third party was involved, then no claim is likely to occur, therefore there's no need to report it.

interstellaflyer

neilmcl wrote: »

So the quote is £650 but on top of that you will be supplying a new/replacement door yourself? So what will be your final outlay? Depending on your excess it may well be cheaper to stick with the insurance.

We don't know the age of the car, or what car it is, it's highly possible with that level of damage the insurance company will write the car off if the car is a few years old.

Ultrasonic

interstellaflyer wrote: »

We don't know the age of the car, or what car it is, it's highly possible with that level of damage the insurance company will write the car off if the car is a few years old.

It would need to be a good bit more than 'a few' years old before it might be written off for a £650 claim!

System

it's only a £650 cost if the insurance isn't involved and the door is replaced by the op - If this is a proper insurance claim you can guarantee the final cost will be a lot more than £650!! especially if it involves a new door

Ultrasonic

the_r_sole wrote: »

it's only a £650 cost if the insurance isn't involved and the door is replaced by the op - If this is a proper insurance claim you can guarantee the final cost will be a lot more than £650!! especially if it involves a new door

Fair point.

Strider590

the_r_sole wrote: »

it's only a £650 cost if the insurance isn't involved and the door is replaced by the op - If this is a proper insurance claim you can guarantee the final cost will be a lot more than £650!! especially if it involves a new door

Yep, as an insurance job, that'll be nearly £2000 plus courtesy car costs.
The repairs industry if rife with corruption, the daft bint that hit my car, she lost a wing mirror, her repair costs were £900.
The old fool that scratch my bumper when parking (and then drove off), his insurance had to pay up £450 for a 1 inch long scratch, which would have t-cut out easily if I wasn't so annoyed at him for driving off.

Your insurance premiums will probably go up between £50 and £100 a year for the next 5 years, if you lose any NCB it'll go up even more.

I know exactly what your thinking.... "Why do we pay for car insurance?"

interstellaflyer

Ultrasonic wrote: »

It would need to be a good bit more than 'a few' years old before it might be written off for a £650 claim!

That's £650 labour, op supplies the parts and bear in mind insurers use original parts not pattern parts, I used to know someone who had a contract with insurance companies to store and dispose of written of vehicles, caravans, boats etc. you'd be surprised at just what they will write off, one example was a 6 year old fiesta with some minor damage to a door skin and minor scratches down the side, a very easy repair.

Jamie_Carter

smashingyour... wrote: »

Oh alright, it says that in your policy document does it?

It doesn't matter what it says in the policy document.

Unless you find a law which says you must inform your insurance company for any little scratch, then you don't have to.

It is your car, not the insurance company's

Jamie_Carter

Ultrasonic wrote: »

It would need to be a good bit more than 'a few' years old before it might be written off for a £650 claim!

Don't forget that many insurance company approved repairers are very, very expensive.