door ding, caught them at it, how to resolve without insurance increase

Doobedoo said:
You weren’t even there so how would you know.
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I'm going by the OP. What else is there to go by.

"They were v keen not to leave details and claimed "it's only a dirty mark on an old car" (it's chipped down to primer, dented, marked with their car colour, and it's only a 2016 car...). I pushed and got their details"


"yes, I know... and the reality is that 90% of the time I wouldn't have caught them at it. But - 1) as mentioned earlier, whether it's through repair or sale's price, it's caused me a financial impact, 2) they couldn't even be bothered to say sorry, which annoyed me, so I don't want them to get away with it, only for them to feel impunity to do the same again to someone else "
 
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Whats this?????? No old person hanky panky on the doorstep? Ding dong!

Thread dissapointment is immense.

Also what is this about them being elderly? They lived in arguably the best era we have ever had, job for life, house for a months salary? I don't feel sorry for them in the slightest, take them for every penny they have.
 
Doobedoo said:
It’s an elderly couple and an accident . Just move on with your life.
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Kind of this. I wish we grew up with more of medterian/French thing with how we care about cars.

But we don't, and why should the op pay for someone else's mistake. Old people could be rich for all we know.
 
Begbie said:
Kind of this. I wish we grew up with more of medterian/French thing with how we care about cars.

But we don't, and why should the op pay for someone else's mistake. Old people could be rich for all we know.
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The op doesn’t have to pay for anything really he could just get on with his life, or not but it doesn’t really need to be posted about. On the other hand they could be living like lots of elderly, on a very modest pension, which just about covers their daily needs as it is. No way to know for sure, no way to actually know if they will even admit fault either.
 
Doobedoo said:
The op doesn’t have to pay for anything really he could just get on with his life, or not but it doesn’t really need to be posted about. On the other hand they could be living like lots of elderly, on a very modest pension, which just about covers their daily needs as it is. No way to know for sure, no way to actually know if they will even admit fault either.
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Seems a fierce response, the op can do as they please really. It's common and normal in the UK to be upset about your car being damaged.

Whilst I enjoy how other countries deal with it, it doesn't mean the op isn't entitled for someone to rectify the damage done.
 
If it happened to me you wouldn’t even hear about it lol.

But yeah he can do what he wants I just have a different perspective l guess.
 
If it's a field it would probably be private land, normally when the other person denies these incidents it "usually" goes 50/50, also you'll possibly find that the elderly couple were in a motability car and they don't pay for the car or insurance.

Who were the quotes from? Did you check Chips away or someone of that ilk?
 
Doobedoo said:
If it happened to me you wouldn’t even hear about it lol.

But yeah he can do what he wants I just have a different perspective l guess.
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You've made more posts in this thread than anyone else. Once you have said your piece and have nothing else to add, why not leave?

OP should take them to the cleaners. Old boomers need to be treated like everyone else, they aren't a protected group. They caused damage, OP should ask for a reasonable amount of cash (or split the difference if he has no intention of getting a repair). I wouldn't bother with insurance as it is so low, they'll likely go 50/50 to avoid any long drawn out cost ineffective discussion around fault.
 
Christmas was a while ago, any insurance claim now is going to lead to a "Why have you left it so long to notify us" and potentially cause more ball ache.
 
It’s what insurance is for. If they are not playing ball go that route.

Had someone dent my car, couldn’t even get a “paintless” dent remover to quote all said it’s too much work. Ended up being a new bonnet for me.
 
Did you get photos? That is a big help for the insurer.

If they did not leave their details it could be criminal damage, so good job they did.

If it's a mobility car it might create hassle for them as it might affect how willing the supplier is to cover them.
 
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it will be a no claims fault on your insurance and will cost you more in future premiums for sure. Just go get wo online quotes and on one put you have had one no fault claim and see how much difference that makes.

Worse if it goes 50/50 due to lack of witnesses it will go down as a fault claim on your insurance and you could lose some or all of your no claims discount.

Can very easily add up to much more than your repair cost. Not fair i grant but thats how it works.

How will a non-fault claim affect my car insurance?​


In many cases a non-fault claim will increase the cost of your car insurance, but it shouldn’t have as much of an effect as an at-fault claim. If you make a non-fault claim, it’s possible you’ll lose some or all of any no-claims discount you’ve accrued over the years. If you have chosen to protect your no-claims bonus, it won’t be affected.


How can I keep my no-claims bonus?​


It may come as a surprise that you’d lose your no-claims discount for an incident that wasn’t your fault

  • but it’s important to remember it’s a no-claims discount, not a no-blame discount
  • insurers have found that drivers with non-fault claims are more likely to have an at-fault claim in the future
  • some insurers may increase your premium to reflect this increased risk


Will a non-fault claim make my insurance more expensive?​


If you do lose some or all of your no-claims bonus, you will notice an increase in your car insurance premiums:

  • some providers can raise your premiums by up to 30% for one non-fault claim, and 50% for two non-fault claims
  • insurers will usually ask for your claims history, this can be for around three to five years
  • a non-fault claim will have less of an impact as time goes on and you start to rebuild your no-claims bonus
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I'd say the time for insurance intervention has probably passed. These things always annoy the hell out of me. Any damage on my car is always like a glowing beacon that sticks out like a sore thumb from 50 yards away... For a month or so. Then I barely notice it.

The "it's only a car" thing really bothers me. For most people it's "only" the second most valuable thing they own.

While I'm still anal about where I park it I do like having a company car as it somewhat removes issues with the carelessness of others. Ironically I've had less car park incidents like this in 8 years of running company motors than I did in my own cars :rolleyes:
 
Whats to consider really.

a) Contact them directly with the quotes and say youre happy to sort outside of insurance. Give them the quotes.
b) If the answer is no, in any shape or form, contact insurance company and get it repaired under insurance.

If its your first claim and is low value it probably wont even affect your premium.
 
The old fogies were absolute ***** about it by the sounds of it, but as above you've probably left it too late and it's your word against theirs.

I've noticed in these situations where it's a couple involved that it tends to be the woman who likes to gob off!
 
Doobedoo said:
What if they have little money during these hard times we are experiencing. Some are already are struggling to heat their homes, is it worth it to potentially impact someone far worse than it has impacted you? It’ll cost very little to put right I think I was quoted £50 for a small dent by a paint less dent remover.
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kona786 said:
Manners don't cost a penny. Their attitude was uncalled for. Being old doesn't give them a free pass in life. A simple apology probably would have been enough.

I was exaggerating with my last response but people like that take the mick.
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If you go the insurance route, which IMO you should it won't cost them beyond their excess - likely less than £400. Their insurance pays. They may get a higher premium in future, but it's not your problem. They can weigh up if they can afford it when it gets to that point or even if they should still be driving at all before they do something worse.

Always notify your own insurer asap even if you don't intend to make a claim at that point. Your T&Cs require it and it covers you if the other person does play silly which it sounds like they're now trying to. You've done the decent thing, they are getting funny, time for the 3rd party route.
 
ik9000 said:
If you go the insurance route, which IMO you should it won't cost them beyond their excess - likely less than £400. Their insurance pays. They may get a higher premium in future, but it's not your problem. They can weigh up if they can afford it when it gets to that point or even if they should still be driving at all before they do something worse.

Always notify your own insurer asap even if you don't intend to make a claim at that point. Your T&Cs require it and it covers you if the other person does play silly which it sounds like they're now trying to. You've done the decent thing, they are getting funny, time for the 3rd party route.
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They won't have to pay an excess as it's not them claiming, the OP will have to pay their excess normally and then if found not to be at fault it's recovered from the other party.
 
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