damage to hire car

d0nkeyk0ng

After having my own car driven into by someone else at work, they admitted liability and their insurance company is repairing my car. Meanwhile I have a hire car from enterprise. Being the numpty I am, I clipped the wing mirror whilst parking it in the garage (hire car is larger than my own car). Damage is just a bit of plastic on the housing.

The replacement costs £200. I was told my excess would be the same as for my own insurance (£350) but could pay £2.50/day as a waiver for this.

What should I do? Repair the mirror myself? Or just let enterprise deal with it? Should the waiver cover it? Will it impact on my own insurance? My own car won't be ready for a couple of weeks so have time on my side.

vaio

The £2.50 waiver offer needs to be taken up at the start of the hire, you can't do it after you've had an accident.

Just get it repaired before you hand it back and forget it happened

chanz4

call a scrap yard, or get someone out like dent wizard or chips away £80 max

d0nkeyk0ng

I did sign up to the waiver before they handed me the keys. The damage is to the plastic so chipsaway etc probably won't be able to fix it (there's a chunk missing!).

Quentin

You won't have to pay any excess if you took the waiver.

This will need to be disclosed to your insurer and others you go to for quotes over the next 3/5 years.

Do dummy quotes on line with and without this incident in your full history (ie also disclosing the work incident as well as any others) and see what difference it makes to the premiums then do the sums as to whether to claim or not.

d0nkeyk0ng

Quentin wrote: »

This will need to be disclosed to your insurer and others you go to for quotes over the next 3/5 years.

That was something I didn't know I had to do. So if I damage a hire car, that's something that needs to be declared? In which case it just makes sense to get it repaired without anyone finding out.

InsideInsurance

The question asked is typically "any incidents or claims" so anything you do in any vehicle should be declared not just those that you claim for nor just those in your own personal vehicle

DigForVictory

Me, I'd hightail it to a scrapper, get an *identical* match bit & fit it & then keep my mouth shut.
However, that may not be entirely ethical/moral.

chanz4

since when are insurance companys, I had a quote for insurance £265 which was valid for 30 days , went to buy but changed the excess higher and both quotes went up by £30 I had to raise a complaint. So they are not what you call fair with customers