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pay myself or claim?

the_chauffeuse
the_chauffeuse Posts: 3 Newbie
in Motoring
My partner misjudged an underground parking space, dented the passenger door and scraped the side of the car. I have had a quote of £1000, which seems reasonable and my insurance excess is £400. I know that if I claim on my insurance that the premiums will go up in successive years despite having protected NCD and not having made a claim in the last 5 years. Is it worth claiming or not?

Comments

  • Moto2
    Moto2 Posts: 2,206 Forumite
    Get a couple more quotes before deciding
    Change is inevitable, except from a vending machine.
  • vaio
    vaio Posts: 12,287 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    dummy quotes is the way to go
  • InsideInsurance
    InsideInsurance Posts: 22,460 Forumite
    10,000 Posts Combo Breaker
    What did they damage the car on? Was there any damage to at object?

    Near the end of my claims days councils and car parks etc were getting ever more keen on claiming for damage to barriers etc caused by accidents
  • the_chauffeuse
    the_chauffeuse Posts: 3 Newbie
    What do you mean dummy quotes?
  • the_chauffeuse
    the_chauffeuse Posts: 3 Newbie
    No no damage to anything except the car
  • fivetide
    fivetide Posts: 3,811 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    the_chauffeuse wrote: »
    What do you mean dummy quotes?


    log on to the meerkats. Run a quote with and without the claim. That way you'll see what difference it will make.
    What if there was no such thing as a rhetorical question?
  • neilmcl
    neilmcl Posts: 19,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You've got to work out the difference between the extra £600 you'll pay out yourself and any loading on premiums over 5 years. As above, do some quotes to find out. Personally I can't see the claim via insurance costing you that much in increased premium.
  • vaio
    vaio Posts: 12,287 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    the_chauffeuse wrote: »
    What do you mean dummy quotes?
    fivetide wrote: »
    log on to the meerkats. Run a quote with and without the claim. That way you'll see what difference it will make.

    but don't use your real name, address or car reg
  • Moto2
    Moto2 Posts: 2,206 Forumite
    quotes and quotes

    Do the dummy premium quotes and get another couple of quotes for the repairs.
    Change is inevitable, except from a vending machine.
  • Hintza
    Hintza Posts: 19,420 Forumite
    10,000 Posts Combo Breaker
    You need to ask around and find a small body shop and ask them for a quote. You want to get that quote down to £500 - £700.

    Are they repairing or replacing the door?
This discussion has been closed.
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