insurance claim or pony up myself!?

Thekwango · 4 Jun 2019 at 19:51

i'll not quote everyone individually but thanks again for all the help and advice.

so turns out you clever folks are much cleverer than me (not hard to be fair) So yea today when I run a price comparison check on quotes it's a tad more than the 20-30 quid that initially was being added - it's now more like 2-300 a year more!

I've only had one quote back so far for repair and that was in region of £1000 - still waiting on a couple more to come back to me tomorrow. costly lesson whether it's an insurance job or out of my own pocket but hey ho, could have been worse.

Psycho Sonny · 4 Jun 2019 at 20:16

it's a clio - just leave it. probably worth more now with the damage

Thekwango · 4 Jun 2019 at 20:21

Psycho Sonny said:
it's a clio - just leave it. probably worth more now with the damage

Not a Clio. Wanna try again? Lol. It’s a Hyundai IX35 but irrespective of the vehicle my ocd couldn’t live with knowing it was there!
I once had to (I didn’t!) replace a wing mirror cover on a company car myself as they were taking too long to sort it and it was causing me sleepless nights - yup I’m like that!!

b0rn2sk8 · 4 Jun 2019 at 20:30

Just claim, its what its there for. There is no point in leaving a decent car ruined over a few quid on the excess.

Psycho Sonny · 4 Jun 2019 at 20:31

Thekwango said:
Not a Clio. Wanna try again? Lol. It’s a Hyundai IX35 but irrespective of the vehicle my ocd couldn’t live with knowing it was there!
I once had to (I didn’t!) replace a wing mirror cover on a company car myself as they were taking too long to sort it and it was causing me sleepless nights - yup I’m like that!!

then why did the guy above post a video of a clio door? weird.

still it's probably best just leaving it. unless the car is quite new (less than 2 years old).

spending a grand on that would be throwing good money away

Psycho Sonny · 4 Jun 2019 at 20:32

b0rn2sk8 said:
Just claim, its what its there for. There is no point in leaving a decent car ruined over a few quid on the excess.

it will be £250 excess then additional £300 on premium for the next few years. hardly a few quid it will equal the cost of the repair just spread out over time.

eviled · 4 Jun 2019 at 20:41

buy this https://www.ebay.co.uk/itm/2014-Hyu...803433?hash=item3d870d56e9:g:eb0AAOSwAZxcnPBU
swap and spray
probably still cheaper than excess + premium increase for 5 yrs
alternatively set up an ebay alert (or ring local breakers) and get the next white door that comes along

jpaul · 4 Jun 2019 at 20:51

Psycho Sonny said:
then why did the jpaul above post a video of a clio door? weird.

because of this

Vince said:
For reference a 2011 clio

Thekwango said:
It’s a Hyundai IX35

how old then ... even when it's repaired you always know what lies underneath ..

open question ... is there no way to untell the insurance ... didn't cost as much as I expected, was less than excess, I won't claim ?

if it's got door locks that swap is still expensive ... crack open the door panel and look

Thekwango · 4 Jun 2019 at 21:16

the reference to the clio was in relation to how the locks are secured to the door by rivets.

jpaul said:
how old then

late 2013 (I'm the second owner)

jpaul said:
even when it's repaired you always know what lies underneath ..

my ocd knows that only too well but I imagine going to a Hyundai Dealership will cost me a spleen and my first born child.

jpaul said:
open question ... is there no way to untell the insurance ... didn't cost as much as I expected, was less than excess, I won't claim ?

yup, it's just left as 'inactive' or 'no action to be taken' (wording may vary I guess) for how long after I don't know but you can ring back up and make it active and make a claim. and for that little 'pleasure' your insurance automatically rises anyway

jpaul said:
if it's got door locks that swap is still expensive ... crack open the door panel and look

to my utter shame I wouldn't even know what I was looking at