Neighbours fence fell on new car...

Quentin

roar349 wrote: »

Waiting for the official quote but ballpark figure is £350-400 to repair the damage.

Spoke to my insurance and this would go down as a fault claim and they're not prepared to even try and recover the costs from her house insurance.

Not happy.

Now you have reported this it will have been added to your history of claims & losses, and will have to be disclosed to any insurer you go to for quotes over the next 3/5 years depending on how long a history you are asked to give.

So do some dummy quotes to see if this is going to affect your premium, and do the sums to see whether now claiming will be worthwhile (esp. if you have protected NCD)

CKhalvashi

flutterby_lil wrote: »

My partner has a bodyshop and repairs numerous brand new cars.

However is he dealer/manufacturer approved?

My car goes to a specialist rather than the main dealer for most things, as it's staffed by ex-Ford/Jaguar mechanics and is cheaper, plus is approved should anything go wrong.

I scraped the underside of my car (knocking the bumper off) last year, and that was repaired by them.

CK

22johnny22

roar349 wrote: »

Waiting for the official quote but ballpark figure is £350-400 to repair the damage.

Spoke to my insurance and this would go down as a fault claim and they're not prepared to even try and recover the costs from her house insurance.

Not happy.

Not a perfect situation but it does not appear to be any ones fault.

this is why we have insurance and NCD etc are just add ons to the whole market we find us operating in.

chanz4

atrixblue.-MFR-. wrote: »

you cant just take a 2 month old car to any body shop yourself, youll at the least invalidate the anti corrosion warranty if its not a main dealer approved one.

They use 100% same paint code, no difference also they dont tend to replace panels as most pop out or fill

atrixblue.-MFR-.

chanz4 wrote: »

They use 100% same paint code, no difference also they dont tend to replace panels as most pop out or fill

easy way.


not approved body shop no anti corrosion warranty. yes they can tell if theres filler in a panel and its been painted the trained eye can tell not the 100% match in paint code.


approved yes theres filler in the panel but it done by their approved body shop and a paper trail to prove it, so warranty must be honoured.

chanz4

any body shop normaly gives a 3 year warranty also anyway

SailorSam

Although you never want to fall out with your neighbours if their insurance aren't going to pay, there's always taking them to the small claims court.

Quentin

SailorSam wrote: »

Although you never want to fall out with your neighbours if their insurance aren't going to pay, there's always taking them to the small claims court.

If you take the neighbour to court (after even your own insurer has indicated they are not liable), expect the case to be thrown out!

(It would be defended by the neighbours insurer, (not the neighbour), and the fees have to be paid by the loser - all court fees would have to be paid - and on top of this the loser would end up paying the other sides expenses for attending the hearing.)

ERICS_MUM

what about asking them to pay 50% - if the bill comes to £400 ish this could be manageable by both of you, avoid ill-feeling and protect your insurance

atrixblue.-MFR-.

chanz4 wrote: »

any body shop normaly gives a 3 year warranty also anyway

on the panel they repaired not the whole car, non approved body shop repairs 1 panel that panel has some warranty, the whole car may have a 12 year anti corrosion/perforation warranty. unless your trying to say a body shop will cover the whole car body for three years for painted wing mirror they did! you risk losing a lengthy warranty and have a limited warranty on one panel.