Dent in new car 2015 reg-claim or Not ??

sue23

Hello all,

I have sadly caused a dent in my less than a year old Nissan ..Not looking properly when i was parking !! So annoyed and frustrated with myself.

I have never had any insurance claims(NCB 5 years) so far & I'm prepared to meet the repair costs of this too done privately. But not sure if it is the right thing to do, as it is a new car . I have been looking on the internet and very confused as some state not to bother claiming But others state about voiding manufacturer waranty, etc.
Has anyone been in my situation before. Please advice .

AdrianC

Whether the corrosion warranty is affected doesn't depend on whether you pay or insurance pay, but on whether the work's done by a manufacturer-approved bodyshop or not.

Post a pic of the damage - if it's smart-repairable, then there's no issue at all.

parking_question_chap

Read the warranty, if makes no difference then I would just pay yourself.

Richard53

Depends whose car it is, too. If the OP owns the car, no problem. But if it's leased/PCP etc, then there might be terms in the agreement to say it has to repaired by an approved repairer.

neilmcl

If it's a new car then I definitely take it to a decent bodyshop to get a quote, then you can decide whether to make a claim against your insurance or not. You'll have to weigh the cost of paying for the repair yourself against loss of insurance excess, potential loss of NCD and increased premiums over the next 5 years.

neilmcl

Richard53 wrote: »

Depends whose car it is, too. If the OP owns the car, no problem. But if it's leased/PCP etc, then there might be terms in the agreement to say it has to repaired by an approved repairer.

Whether there's a stipulation to use an approved repairer or not has nothing to do with whether the OP should claim from their insurer or not. This will simply come down to whichever costs the most.

sue23

Thanks for the replies. Just to clarify, I'm the owner of the car so not a lease vehicle & not financed.
I will try and post some pictures soon and will look at the warranty too.
I was going to take it into the nissan showroom i bought it from, as they have a garage and ask for a quote. But I'm unsure if they would log it in their database, etc so I would be forced to inform my insurers then.

loskie

your nissan garage are
likely to contract the work out.
The workwill be done down to a cost rather than up to a standard.
IMHO I would find a good, small local bodyshop with a good reputation and use them.
I learned the hard way several years ago. Insisted that the Mazda garage fixed my Mazda. When I went to pick it up the pain on the bumper was a bad match. I got them to re do it. The match was acceptable 2nd time but when I inspected the car before collection I found that the rear light modules were still unplugged.

arcon5

As long as the works done properly, approved body shop or not no one should ever know.
All approved means is the approved is getting kick backs for sending swarms of customers to them. Loads of decent non approved bodyshops out there

neilmcl

sue23 wrote: »

Thanks for the replies. Just to clarify, I'm the owner of the car so not a lease vehicle & not financed.
I will try and post some pictures soon and will look at the warranty too.
I was going to take it into the nissan showroom i bought it from, as they have a garage and ask for a quote. But I'm unsure if they would log it in their database, etc so I would be forced to inform my insurers then.

Your insurer won't know unless you tell them.

As already stated, there is absolutely no connection between your insurance and getting your car repaired as you see fit.

TonyMMM

Had a similar issue on my new 2015 car within weeks of delivery (misjudged gatepost causing some damage to the wheel arch).

I took it to the Ford dealerships own body-shop, and the repair was surprisingly cheap (less than the estimate from my local independent) - the repair is invisible, and they provided a courtesy car for a couple of days.

Not worth involving the insurance.