Disappointment with insurance comapny

panika

Thanks guys for your answers.

It looks that I don't need this mirror to drive(I will fix it, but I wanted to know if I can drive that car to work tomorrow morning). I can confirm it with police, because they will be looking at my car again today, they need more information to investigate.

I phoned insurance today, and i have been told that I have to make a claim.
I wanted just to inform them - there has been a crime, ppl have been arrested and there has been damage to more than one vehicle.

Maybe I can still reverse/cancel it. I'll talk to the insurance guy who will estimate the damage.

Car was locked and securely parked.

System

Make sure that you deal with any sharp edges that were left after losing it otherwise there is the possibility that the remnants can be classed as a danger to pedestrians, especially being on the nearside

Iceweasel

Sounds to me like the damage would cost a heck of a lot more than £450 to put right.

Of course if there is a successful prosecution you can claim off the vandal who did it. Not a great chance of being successful in that of course - even if a court awards in your favour.

A lot depends on the age and value of your car of course, as to how professional a repair you want done.

But your insurance company don't seem to have done anything incorrect - you apparently have a compulsory £200 excess and you must have chosen to have a voluntary £250 excess in addition to that.

panika

Yes, I think it adds up - compulsory and voluntary excess. It just feels odd - i am a victim of vandalism and have to fork out nearly £500 plus higher premium next year. But, that't how it works.

Car itself is worth £2,000 I have been driving it for 6 weeks. Seeing damage on other car, my is not too bad.

I just looked at it with police woman (they wanted to take blood traces), there is a long scratch next to dent. If it was a bumper I really wouldn't bother.

sh0597

Depending on the size of your premiums and NCB it can be cheaper to not make a claim.

panika

sh0597 wrote: »

Depending on the size of your premiums and NCB it can be cheaper to not make a claim.

I don't have any NCB, I have been driving for a few weeks (have full driving licence for 2 months).
If I claim, my premiums won't go down next year (if there is no any other incidents).

they will have to strip the car, because it is only 3 door model, dent and scratch are located under back passenger window (no handle, lock or opening window mechanisms.

Police said I can drive without side mirrors, but if there is any accident insurance may fetch it up.

sh0597

I'd imagine if you are a new driver with 0 NCB it would be better not to claim and build your NCB. If the damage apart from the mirror is only cosmetic I'd be tempted to just replace the door mirror and not make a claim.

macman

I stand corrected-but a broken mirror may get you stopped by the police, as it's a potential hazard. To get it through the MOT, I think you'd need to remove the mirror entirely.
Surely the important question is: 'do I want to use the vehicle without adequate rearward vision on the nearside?' How are you going to see that cyclist coming up on your left side?
Really not worth it for the cost of some mirror glass.

System

do I want to use the vehicle without adequate rearward vision on the nearside?

How did we manage when the only mirror fitted was an internal one?

phill99

How can you be disappointed with your insurance company? You agreed to go with them, had full sight of the policy and its conditions, but are now saying you don't like a condition now that you have had to actually read your policy.