Advice on my new scratch/dent (hit & run)

Magic_x_uk · 26 Jul 2012 at 16:40

Why? My excess is £250 I have 20+ years without a claim, I have them protected.

There is paint damage to front bumper, dented/twisted wing & paint damage & also paint chipped on passenger door from wing being pushed up to door so it catches when you open it.

Why is that madness, I'm sure it would be more than £250 to repair

Can't see my insurance rising that much

cwhitehead · 26 Jul 2012 at 16:42

Your insurance over 5 years of declaring it + £250 you have already ploughed into it, will be a lot more than it would to fix it.

Daff_Duck · 26 Jul 2012 at 16:48

cwhitehead said:
Your insurance over 5 years of declaring it + £250 you have already ploughed into it, will be a lot more than it would to fix it.

What they say, very similar to your postion age and claims history wise, I went down the insurance route and tbh If I had the time again I would have just paid out. They are a business and at the end of the day they are out to s every last penny from you.

What seems like a small cost to claim for will end up coming back to haunt you for the next 4-5 yrs. Once your claim is on file when they ask if you have had any claims be it your or someone elses fault and you answer "Yes" watch the premium rise.

LeMson · 26 Jul 2012 at 16:50

Bumper and wing? you tried salvage or scrap yards?

Mucky_Pup · 26 Jul 2012 at 19:06

I wouldn't claim for that, would pay myself, and never mention it to my insurance.

Grimley · 26 Jul 2012 at 20:21

Magic_x_uk said:
Do not know if to report if to the police.

One word, DON'T. They'll give you a 7 day wonder, which is what they did when I reported similar damage to my car a few years back, I'm convinced to this day it was the local council bin lorry, as it was the same coloured paint left on the damage. Cost me £200 back then & did not bother to claim as my Excess is £250 anyway.