Car damage on Pcp car

finlayjay

A friend of mine has car on pcp due to go back early next year. Someone reversed into him causing damage to the bumper. Driver wants to organise repairs his end to avoid alleged excess / boss problems despite his own vehicle being damaged also. Not confirmed if he is owner or company driver. My thoughts are my friend claims on insurance and keep it all water tight incase of any unaddressed issues on swop over. Can anyone confirm this really is the only way to go.
Thanks in advance. 

neilmcl

As the car's on PCP, and assuming it was purchased from new, then I'd definitely recommend getting it repaired by the main dealer. How that's done is up to your mate, if the other driver has no issue in paying for that then fine do so, if your mate thinks the TP will start to get funny at the idea then the insurer is the way to go but it will have an affect on future premiums going forward regardless of blame.

finlayjay

Thanks Neil, what is TP? Sorry. 

Grumpy_chap

Third Party

finlayjay

Appears to be someone "he knows" who will use original parts as opposed to main dealer. I just think more risks involved than benefit. 

neilmcl

finlayjay said:

Appears to be someone "he knows" who will use original parts as opposed to main dealer. I just think more risks involved than benefit. 

Is there paint work damage to correct?

finlayjay

Hi Neil, yes , front bumper took direct impact cracked with quite a crack by all accounts, mind you think most bumpers are available colour coded good to go. Mind you initial look through return protocol in general, good colour match a must. Official insurance workshop allocation must be a plus as opposed to another with designated workshop decided by person responsible in first place. Feel sorry for any repercussions the guy has to deal with but with greatest of respect don't see any reason or benefit of not going down default route of friends insurance getting involved and starting ball rolling, even more so when he has no claims protection in place. 

neilmcl

finlayjay said:

Hi Neil, yes , front bumper took direct impact cracked with quite a crack by all accounts, mind you think most bumpers are available colour coded good to go. Mind you initial look through return protocol in general, good colour match a must. Official insurance workshop allocation must be a plus as opposed to another with designated workshop decided by person responsible in first place. Feel sorry for any repercussions the guy has to deal with but with greatest of respect don't see any reason or benefit of not going down default route of friends insurance getting involved and starting ball rolling, even more so when he has no claims protection in place. 

I wouldn't be so sure of that, in fact quite the opposite. Most body parts such as bumpers will be sold primed and ready to be painted.

finlayjay

Thanks Neil for all your advice, much appreciated. Smoothest Road ahead defo involves our insurance, no sense it taking a road with potholes if we don't have to. Thanks again Neil, keep safe and have a good weekend. Cheers. 

AdrianC

Simple answer is always that if you 100% trust the other person and their suggested repairer, then there's nothing to lose going direct.

But, if you don't, insurance. If they don't like that, they know how to avoid it next time - don't damage other people's cars...

[Deleted User]

Check your PCP contract, if you use a third party repair place and want to return the car at the end it will affect the GMV of the PCP deal - you'll find it hard to get more money out of the person who caused the accident next year when the dealer inspects the car and drops the value based on a suspect repair