Who pays for bells and whistles?

MarcusAurelius

Insurance payout for a bare not at fault scratch is nearly £1000. This includes delivery and drop-off of a vehicle to a garage over 30 min away, hire car and other bells and whistles.

Who pays for this at the end of the day? I guess OP!

I'd rather not overpay for premiums and get a no-nonsense repair job.

How?

uknick

Sorry, I'm confused what you are asking here.

Are you the one claiming?

If it is the other party, surely you have no say in how their insurance company deals with the claim.

If you are the one claiming, do you know for sure it will affect your renewal premium? If so, I'd be interested to know if the actual value of the claim affects how much your premium is increased.

forgotmyname

Goto a garage directly and say how much to fix that scratch.

Your insurance are not paying are they. So no difference to you. Except that you need to declare the incident for upto 5 years.

Which will possibly increase your premiums.

InsideInsurance

As above, your post is very unclear on what you are really asking.

If you are not at fault for the accident and the third party has been identified and either has insurance or means to cover the costs then ultimately they or their insurers will pay for it all.

There may be other parties, such as your insurers or credit hire etc who may initially carry the costs but they will have the right to recover the costs from the TP/TPI