Car Insurance Damage Claim

pepper33

I have an excess of £200 on my fully comp insurance.
My car was damaged whilst parked overnight, a few months ago, I called the police and they came out and said that I should claim off my insurance.
I didn't do this, as the damage was not that bad, but last month I noticed my petrol cap had been taken, and another big dent in the side of the car.
I rang my insurance, to claim for the damage, and they referred me to MIS claims. I told my insurance broker about the damage, and agreed that I would pay the excess. But when I went to MIS they looked at the car, and because the damage happened at different times, they say it will be £200 for each repair, that leaves me with a bill of £600. Does anyone know if this is right to claim for each damage,if they happened at different times?

Quentin

Yes it's correct.

rs65

The excess applies per incident so sounds correct.

ps You really don't want three claims on your insurance history. Try dummy quotes on a comparison site to see the effect.

pepper33

If that is correct, why did the broker not say to me. My insurance is very high, I got my car stolen twice in 2010, and neither of them returned. I have been driving for 40 years, and my insurance is higher than my nephew's and he is a new driver. I think I will just cancel, as I will just live with the damage, as you say I don't want another mark on my insurance.

chanz4

Watch out, too many claims = no insurance

vaio

pepper33 wrote: »

..... I think I will just cancel, as I will just live with the damage, as you say I don't want another mark on my insurance.

As you've mentioned it to your insurer it will be on the record so still need to be disclosed (& count against you) for the next 3/5 years

Quentin

And if you have any ncd, then you'd lose the lot!

Maybe forget the claims is the best.

But you now have 3 losses to disclose irrespective of not pursuing the claims

pepper33

But they were counted as one claim, whenever I reported it. I have cancelled, so don't have to lose anything. I never claimed anything, and the insurance company haven't given me anything. I am still suffering from the two thefts and no car. Why is there no help for victims. I need my car for my work, and the thefts will not be counted for my next renewal, and why would I disclose them, whenever I did not take advantage of the repairer. It is very true that the innocent suffer whilst the thieves get off scot free....

Quentin

When getting quotes you are asked to disclose all losses, not just successful claims.

If you attempt to mislead by not disclosing these it will look like you are trying to get cheaper insurance by giving false details.

When this comes to light you give the insurer grounds to void your policy.

(Although it's down to you, bear in mind all your incidents will now be on your record and the shared database)

pepper33

I disclose everything that happens, but they had not explained to me that it would be £200 excess for every bump, in fact two of the dents, and the theft of my diesel cap was all the one night....
I wouldn't dare not disclose anything, as I know only too well, that they look into every detail.

Quentin

Yes you have already disclosed everything! 3 separate losses.

If you don't change insurer in future or get quotes from other insurers you have done all you need to.

But you posted this:

pepper33 wrote: »

....the thefts will not be counted for my next renewal, and why would I disclose them, whenever I did not take advantage of the repairer...

As posted (#9), if at renewal you get quotes elsewhere or take out a new policy with any insurer then these 3 losses need disclosing.

Do dummy quotes online with and without these 3 incidents in your claim history to see what difference they make to the premium.