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Car insurance - cosmetic - bumps & scratches

serenade2015
serenade2015 Posts: 53 Forumite
in Motoring
Have avoided all the dealer sold insurances, but after a colleague had their car badly scratched & dented last week in a car park(no they kindly did not leave a sorry note)

I am thinking to take out this extra insurance, any company recommendations?


Thanks
«13

Comments

  • neilmcl
    neilmcl Posts: 19,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    What's wrong with your standard car insurance?
  • serenade2015
    serenade2015 Posts: 53 Forumite
    i am thinking of the minor claims
  • neilmcl
    neilmcl Posts: 19,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    How many times are you expecting to make a claim?
  • serenade2015
    serenade2015 Posts: 53 Forumite
    I have no idea- hopefully not at all but after hearing so many stories about car parks bangs & scratches then it got me thinking, the only reason asking is that I will be using a public car park quite a bit until we move into new premises. Rather than claiming through insurance or out of my own pocket - I thought this might be worth considering.......
  • RS2000.
    RS2000. Posts: 696 Forumite
    So you're thinking of two policies on your car, one for driving and one for car park damage?

    What do you think another policy will cost with no no claims?
  • Gloomendoom
    Gloomendoom Posts: 16,551 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    There are policies specifically intended for cosmetic damage...

    https://www.lovemoney.com/news/20738/cosmetic-car-insurance-is-it-worth-it
  • Alter_ego
    Alter_ego Posts: 3,842 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I don't think you can insure the same risk twice, or perhaps if you do they will share the claims. Check first with the ins co.
    I am not a cat (But my friend is)
  • Quentin
    Quentin Posts: 40,405 Forumite
    RS2000. wrote: »
    So you're thinking of two policies on your car, one for driving and one for car park damage?

    What do you think another policy will cost with no no claims?
    The whole idea of cosmetic insurance is to save you having to lose your NCD over a small claim
  • Quentin
    Quentin Posts: 40,405 Forumite
    Alter_ego wrote: »
    I don't think you can insure the same risk twice, or perhaps if you do they will share the claims. Check first with the ins co.
    It's perfectly "legal".


    Your normal insurance doesn't cover wear and tear scratches etc
  • Alter_ego
    Alter_ego Posts: 3,842 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Quentin wrote: »
    It's perfectly "legal".


    Your normal insurance doesn't cover wear and tear scratches etc

    Why the quotes round legal? Do you mean it's not?

    Nothing on my policy excludes scratches.
    I am not a cat (But my friend is)
This discussion has been closed.
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