![]() | Home > Finance, Insurance & Warranties > Hit a kerb/bank, go through insurance for repair? |
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northernmonkeyjones Member Since: 24 Mar 2012 Location: derby Posts: 8740 ![]() ![]() ![]() |
Price to repair will probably equate to your excess. So do some quick homework before calling the insurance.
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DrRob Member Since: 16 Apr 2015 Location: Petersfield, Hampshire Posts: 4332 ![]() ![]() ![]() |
I'd be tempted to fix myself with a combination of Ebay purchased and a local spray guy to match any new bits Gone to a good home: 2011 4.4 TDV8 Vogue SE Buckingham Blue with Ivory and clear glass = "Rory"
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mrblonde Member Since: 24 Jan 2012 Location: Cambs Posts: 755 ![]() ![]() ![]() |
Cheers guys, started pricing up already and was coming in at:
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Weegie Member Since: 09 Jun 2014 Location: East Sussex Posts: 3254 ![]() ![]() ![]() |
I think you really need to know what damage has been done to the suspension. That could be the critical aspect in your insurance company deciding on writing it off. It might also be the deciding factor in whether you make a claim.
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northernmonkeyjones Member Since: 24 Mar 2012 Location: derby Posts: 8740 ![]() ![]() ![]() |
If insurance goes up, it won’t be just for the one year, check your policy and see how much NCB you have, is it protected, how much that reduces for a claim/how many claims allowed in a period before it knocks your discount down, and then extrapolate that forwards....
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GGDR Member Since: 26 Nov 2016 Location: London Posts: 3551 ![]() ![]() ![]() |
Post some pics?
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lighthouse Member Since: 22 Feb 2016 Location: Great Notley Posts: 513 ![]() ![]() ![]() |
Insurance will right it off simple. If you don’t fix it yourself it’s gone.
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Bl4ckD0g Member Since: 16 Feb 2020 Location: 127.0.0.1 Posts: 1322 ![]() ![]() ![]() |
Did you tell the insurance that you car is modified? If you didn’t I’d definitely not put a claim in.
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Pawl Member Since: 07 Nov 2017 Location: West Midlands Posts: 703 ![]() ![]() ![]() |
Insurance repair costs will typically be based on full dealer prices for parts, much higher costs than if you're sorting it yourself.
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Alistair Member Since: 11 Feb 2011 Location: Peterborough / Bordeaux / Andorra Posts: 7993 ![]() ![]() ![]() |
Insurance write-off level is much lower than you might think - often around 60-70% of the vehicles value.
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alanm_3 Member Since: 19 Feb 2011 Location: my House, unless I’m not at home, in which case I’m somewhere else. Posts: 6759 ![]() ![]() ![]() |
I was going to mention the scam that is a “protected NCB”. Yes your bonus may be protected by your premiums will almost certainly get loaded for some years to come.
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essex boy Member Since: 21 Jan 2017 Location: essex Posts: 212 ![]() ![]() ![]() |
Dont mention nothing to insurance until you have decided to claim they will still take it as a problem and it will go against you although you claimed noting I insured today so I know |
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dennij Member Since: 23 Feb 2019 Location: Up North Posts: 450 ![]() ![]() ![]() |
As has already been mentioned you are better off not involving the insurance. Worse case scenario is that they null & void your cover as you haven’t declared your vehicle is not factory standard. You would have stated when you took the insurance out that it was and if you read the really tiny print it will say that failure to declare any changes will void the cover. Be thankful no one else was involved and that no one was hurt, had an assessor been called to inspect your vehicle they would have reported back that the vehicle is non standard and could put you in a whole legal nightmare.
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