Car insurance - door bump

lf479

Hi

I'm looking for advice. 6 months ago my young daughter opened our car door into the car parked next to us, leaving a dent (not big but deep).

I left my details and got a message the next day. I asked them to provide a quote so that I could decide whether to pay out of pocket or not. Stupidly I didn’t even think about reporting it to the insurance company.

Over 5 months later and they have sent me a quote for £2k. Any advice?

Aretnap

Tell your insurance company? Better late than never.

Brie

Aretnap said:

Tell your insurance company? Better late than never.

Agree!

Meanwhile - does £2k seem reasonable?  Was it a new Jag or an 20 yo Ford Fiesta?  Was it the driver/keeper that contacted you or their insurance company?  If it's their insurance then definitely do contact yours.

lf479

Aretnap said:

Tell your insurance company? Better late than never.

Will it affect my insurance for the future. Ie will it cost more than paying up in the long run?

lf479

Brie said:

Aretnap said:

Tell your insurance company? Better late than never.

Agree!

Meanwhile - does £2k seem reasonable?  Was it a new Jag or an 20 yo Ford Fiesta?  Was it the driver/keeper that contacted you or their insurance company?  If it's their insurance then definitely do contact yours.

It was a jag (albeit not new) 😬

also seems to have 2 repairs on the quote and it was definitely only one dink where the bottom of our SUV door hit the front side (the second quote is for the bottom of their door which was nowhere near where our car would have reached.) I do have a pic of the damage still but didn’t take a pic of the rest of the car.

it was the owner that contacted me as I left my phone number.

lf479

lf479 said:

Brie said:

Aretnap said:

Tell your insurance company? Better late than never.

Agree!

Meanwhile - does £2k seem reasonable?  Was it a new Jag or an 20 yo Ford Fiesta?  Was it the driver/keeper that contacted you or their insurance company?  If it's their insurance then definitely do contact yours.

It was a jag (albeit not new) 😬

also seems to have 2 repairs on the quote and it was definitely only one dink where the bottom of our SUV door hit the front side (the second quote is for the bottom of their door which was nowhere near where our car would have reached.) I do have a pic of the damage still but didn’t take a pic of the rest of the car.

it was the owner that contacted me as I left my phone number.

If they’d quoted straight away I would have definitely gone back and said let’s go through insurance but I’m a little worried that after 6 months this is now going to have an impact on my insurance as I just didn’t even think about getting in touch until we had the quote and decided what we were doing. 

Brie

Well sounds like they haven't gone through their insurance either so you could go back to them and say you'll pay a fraction of that.  If they were really car proud you would have heard immediately so chances are they will be happy with just a cheap "bang out the ding" place.  Especially when you say you're going through your insurance....

MyRealNameToo

lf479 said:

lf479 said:

Brie said:

Aretnap said:

Tell your insurance company? Better late than never.

Agree!

Meanwhile - does £2k seem reasonable?  Was it a new Jag or an 20 yo Ford Fiesta?  Was it the driver/keeper that contacted you or their insurance company?  If it's their insurance then definitely do contact yours.

It was a jag (albeit not new) 😬

also seems to have 2 repairs on the quote and it was definitely only one dink where the bottom of our SUV door hit the front side (the second quote is for the bottom of their door which was nowhere near where our car would have reached.) I do have a pic of the damage still but didn’t take a pic of the rest of the car.

it was the owner that contacted me as I left my phone number.

If they’d quoted straight away I would have definitely gone back and said let’s go through insurance but I’m a little worried that after 6 months this is now going to have an impact on my insurance as I just didn’t even think about getting in touch until we had the quote and decided what we were doing. 

The time difference is unlikely to make any difference to the impact of the claim, the only possible exception is if you have renewed but that would be because they'll consider it under counter fraud legislation given at renewal you were asked to check the details which will have included the declaration about the "losses" you have sustained irrespective of if you claimed for them or not.