Can I claim for multiple incidents in one car insurance claim?

leorex

I have 3 separate pieces of damage that have happened recently to my car, that is going to add up to, I suspect, a hefty sum.

1. My back bumper got caught on a rock whilst parking. It has a pretty bad crack to the left of the license plate. This has been like this for a few months.
2. An unknown driver hit my car in a carpark a few weeks ago. They dented the drivers side door, the lip below the door, and scratched the drivers side wheel arch.
3. Today, I managed to reverse the back of my car into the corner of a skip. It smashed up one of the back lights and gouged into the back of the car.

Obviously only one of those was someone else's fault, but I don't know who did it, so I am liable for all of them. My insurance excess is fairly affordable. But my question is - can I report it to my insurance company under one claim? I'll be getting quotes for the work to all be done in one go. Will my insurance company be okay with this or will I have to treat them as three separate claims? The bumper probably would need replacing as part of the car park bump claim, as they scuffed the bumper too, so I think that would be okay. But can I report both of these issues together and only pay one excess?

paddyandstumpy

I doubt it, the are three distinct incidents and should be claimed as such.

csgohan4

be prepared for the bump in premiums with 2 at fault accidents and 1 non fault assuming you can claim back the costs.

OnanTheBarbarian

will be treated as 3 claims and probably therefore 3 x payment of your excess

Zorillo

It's very definitely three claims and three excesses, if you report it to your insurance company the same way as you've reported it here.

[Deleted User]

You need to get to Specsavers and get a new pair, that will save you some money.

Sounds like you probably did this one yourself as well, unlikely that another car would strike the sill below the door:

leorex wrote: »

.2. An unknown driver hit my car in a carpark a few weeks ago. They dented the drivers side door, the lip below the door, and scratched the drivers side wheel arch.

angrycrow

Insurers would treat this as three separate fault claims with three excesses applied. They would then step back any ncb three times. If you have a full protected bonus that would negate two of the step backs so you are likely to drop from full ncb to 3 years ncb, if your ncb is not protected it would go to 0.

They would add all repair costs together and if the total exceeds the cars value they would declare it a total loss but knock off three times the excess.

You will have to declare 3 fault accidents in the future which will reduce the number of insurers who will quote and significantly increase premiums. Technically you need to declare the three incidents even if you do not claim.

If the rear damage is confined to the bumper and light I would source a good colour matching bumper and a tail light from a scrap yard. You would then just have one accident to claim for in respect of the side damage.

You don't say the age of the car but if it is a lease or pcp car you will need to resolve the damage before you hand it back.