Damaged own car, insurance questions?

marbic

Hi All, looking for some advice/opinions...

I managed to scrape our car quite heavily in a supermarket car park today. The drivers side wing mirror is pretty much totally off and the main door panel is heavily dented/scratched.

I am guessing it will need a fair bit of work to rectify, my questions are about our insurance, we had a non-fault claim last year (truck drove into the car) which has already put up our premium. My questions are:
1. Our excess is £800 (with LV) I think the repairs are going to be a good bit north of that (maybe double or more?), is it going to really hit our future premiums if we claim again so soon after the lorry incident?
2. If we don't claim and cover the repairs ourselves, do we need to inform the insurers, as no damage was incurred by third parties? If we do, I am assuming that the premiums go up again....we do have our NCB protected so that is something.
3. Any body gone through this before, what did you do and any lessons learnt?

Thank you for your advice in advance, really appreciate any help to make a rubbish day slightly better....

MX5huggy

£800 excess! Wow.

I doubt I would be going through insurance. 

You probably should tell them but I wouldn’t.

what car is it how old? Can you get a second hand door & mirror off a breaker / eBay. If you’re lucky in the correct colour otherwise you get them painted, should be doable for under £1k.

marbic

Thanks for your speedy reply. It is a 2020 e-Niro on a lease…so have to get it back to good finish

Cameron1590_2

marbic said:

Thanks for your speedy reply. It is a 2020 e-Niro on a lease…so have to get it back to good finish

My first point of call would be to get a quote from a local firm (chipsaway) see what they price the damage up to get fixed. 

From here you can weight up paying out yourself or going via the insurance. 

Whichever way you go, ask the repairer (chips way or your insurance) to guarantee the repair work will be to an acceptable standard on hardback to the leasing firm. 

That way, should the leasing firm argue the reapir is substandard you should be able to ask the repairer to put it right - probably not as simple in practice. 

Best of luck, these things happen. 

Flight3287462

Cameron1590_2 said:

Whichever way you go, ask the repairer (chips way or your insurance) to guarantee the repair work will be to an acceptable standard on hardback to the leasing firm. 

Why would they do that?  That is then an open ended claim which chips way or who ever would be mad to get involved with.

Sounds like the damage needs a full body shop job.

HampshireH

I expect your lease company require to be told and they would expect you to notify insurance.

If you owned it it would be different 

Someone like chipsaway won't guarentee a lease inspector won't notice

No repairs will be identical to an automotive factory finish, which is machine sprayed to tolerances beyond human capability: no repair will be ‘as good as new’. ChipsAway discharges its obligations under any repair agreement by providing a good quality, hand completed aftermarket repair. In normal circumstances, such a repair is unlikely to be detected by a casual examination of the vehicle by an untrained observer unaware of the previous damage location. End of lease inspectors may, as trained experts in their field, be able to identify Repairs.

diystarter7

marbic said:

Hi All, looking for some advice/opinions...

I managed to scrape our car quite heavily in a supermarket car park today. The drivers side wing mirror is pretty much totally off and the main door panel is heavily dented/scratched.

I am guessing it will need a fair bit of work to rectify, my questions are about our insurance, we had a non-fault claim last year (truck drove into the car) which has already put up our premium. My questions are:
1. Our excess is £800 (with LV) I think the repairs are going to be a good bit north of that (maybe double or more?), is it going to really hit our future premiums if we claim again so soon after the lorry incident?
2. If we don't claim and cover the repairs ourselves, do we need to inform the insurers, as no damage was incurred by third parties? If we do, I am assuming that the premiums go up again....we do have our NCB protected so that is something.
3. Any body gone through this before, what did you do and any lessons learnt?

Thank you for your advice in advance, really appreciate any help to make a rubbish day slightly better....

Hi

Sorry to hear about that ad I hope its sorted soon

About telling your insurance, technically yes. Look at it like this, when next renew your insurance they willl ask you has anything changed = have you had any accidents in the last xx years = so to answer honestly, you have had an accident.

Good luck

EssexExile

I don't think anyone can tell you what will happen to your premiums after a claim, all experiences seem to be different. You had a no fault claim and your premium went up, we had a no fault claim and our premium went down. Many years ago my wife (honest) managed to crumple both nearside doors on the gatepost entering our drive, apart from losing NCD we noticed no other effect.

DullGreyGuy

marbic said:

Hi All, looking for some advice/opinions...

I managed to scrape our car quite heavily in a supermarket car park today. The drivers side wing mirror is pretty much totally off and the main door panel is heavily dented/scratched.

I am guessing it will need a fair bit of work to rectify, my questions are about our insurance, we had a non-fault claim last year (truck drove into the car) which has already put up our premium. My questions are:
1. Our excess is £800 (with LV) I think the repairs are going to be a good bit north of that (maybe double or more?), is it going to really hit our future premiums if we claim again so soon after the lorry incident?
2. If we don't claim and cover the repairs ourselves, do we need to inform the insurers, as no damage was incurred by third parties? If we do, I am assuming that the premiums go up again....we do have our NCB protected so that is something.
3. Any body gone through this before, what did you do and any lessons learnt?

Thank you for your advice in advance, really appreciate any help to make a rubbish day slightly better....

1) Repairs, to insurer standards, will be way more than £1,600

2) You are supposed to inform your insurers of all incidents however most people "forget" if they dont intend to claim. You say there were no third parties so what did you hit? Bollards/ lampposts etc in car parks can be expensive to resite especially if its the council that do it.

3) From both sides (claimant and insurer), main lesson was cars are way more expensive to repair than you think

maxmycardagain

Fess up
Cough up
its going to hurt

Ganga

maxmycardagain said:

Fess up
Cough up
its going to hurt

At least £800 of hurt