Car damaged from hail storm, car insurance advice please?

[Raymond Lin]

The irritating thing is, if I wasn't at work today it would be fine

You work from home or generally have Thursday off?

 

[EddScott]

Its like a Michael Bay movie!

 

[phil675]

So then.

If I was to claim and get the car written off, how much would they give me? For a 2004 MG ZS 1.6 I'd say £600-900. How much could I buy it back for?

I've just done a quote and with 0 no claims my premium would be £1000 for the year, its £670 at the moment.

Should I just leave it?

 

[Raymond Lin]

Just wondering, would the hair dryer trick work on the dents?

 

[BaJ]

Snap, I'm in Hinckley ... car has taken a pounding

Also with Admiral multicar, just rang them to process my claim and all OK so far.

 

[kaiowas]

So then.

If I was to claim and get the car written off, how much would they give me? For a 2004 MG ZS 1.6 I'd say £600-900. How much could I buy it back for?

I've just done a quote and with 0 no claims my premium would be £1000 for the year, its £670 at the moment.

Should I just leave it?

By the time you've paid the excess plus a few years of increased premiums (NCB is something of a red herring, a claim on your record will hurt you even if your NCB is protected) you'll probably be worse off. Either live with it, or if it really bothers you driving around with a dented car flog it cheap to someone who isn't bothered and buy something else.

 

[acemastr]

PICS! we need more pics of peoples mangled cars! for my own enjoyment.

Sorry that it happened though, some serious dents there!

 

[phil675]

Aye I guess it's not worth it. Ah well.

 

[NathanE]

This is just awful

 

[dfarrall]

PICS! we need more pics of peoples mangled cars! for my own enjoyment.

Sorry that it happened though, some serious dents there!

+1. I want to see the new 320 sport.

 

[Surveyor]

MultiCar Policy Document

A quick skim and I can't see anything in there which would exclude cover.

As you have a guaranteed no claims discount then you obviously can't lose that but they will very likely increase the initial premium before the discount.

 

[helpimcrap]

WOW!

I'm from Hinckley but work up the road at Lutterworth and we lost power and had thunderstorms etc but nothing like that 10mile down the road!!

Just wow!

 

[Muffin`]

I need to setup a dent repair company tomorrow in Leicestershire, who's with me?

 

[phil675]

It missed Rugby completely!

 

[BigT]

Policies are different but this actually happened to my father a few years ago and he was covered. Like you his car was worth about a grand. Damage to so many panels meant it was written off. He bought it back for buttons and drove it around for another three years before flogging it as spares.

 

[ince]

Omg good luck that damage looks bad.

 

[Minstadave]

Man mine was parked outside in Leicester and it was really falling, couldn't see anything obvious, will give it a once over tomorrow

 

[hopeful_builder]

finally got home to inspect the damage and every single panel has a dent in it! even the boot! which is 4 foot away from a fence in a sheltered corner!

fingers crossed I can claim - from what my friends have experienced if you have fully comp insurance you should be ok
also The Guardian has a little article on it too
http://apps.facebook.com/theguardia...reads&fb_source=other_multiline&post_gdp=true

I travel between sites at work, and the Tamworth depot had nothing, as did the Nuneaton depot! both not far from Hinckley at all.

 

[hopeful_builder]

Snap, I'm in Hinckley ... car has taken a pounding

Also with Admiral multicar, just rang them to process my claim and all OK so far.

Thanks for posting. Hope all goes ok for you. Wish me luck for tomorrow

 

[phil675]

As my paint has seen better days anyway, I'm now flirting with the idea of plastidipping the whole car which might make the dents less obvious, sky blue anyone? Quick awful photoshop