Insurance question

Evil-I · 21 Jul 2014 at 11:57

Hi All,

Does car insurance cover damage caused in a car park?

Some idiot pranged my car in Heathrow's short term parking and buggered off without leaving details. Tried to find out if CCTV caught it but apparently they only have cameras at entry and exit and weren't particularly unhelpful.

Thanks,

E-I

Hyburnate · 21 Jul 2014 at 12:01

Depends on your policy, but if it's comprehensive then yes. Although it may work out cheaper to do it off your own back so you wont have an increase in premiums

e; http://www.heathrowairport.com/tran...w-parking-options/heathrow-short-stay-parking Reading this it says "comprehensive CCTV keep Heathrow Airport Short Stay Parking safe as well as convenient." I'd call them out on that.

Howard · 21 Jul 2014 at 12:03

Yeah you can claim, but how bad is the damage? If it's only a little dent/scrape it'll probably be cheaper and easier in the long run to just get it sorted by a smart repair company or a body shop.

DJ_Bucho · 21 Jul 2014 at 14:49

If your fully comp then you can make a claim yes, although this will effect your NCB as you'll be making a claim on your insurance. Depending on the damage, I'd be tempted to pay for the repair yourself and not go through the insurance company.

Evil-I · 22 Jul 2014 at 12:37

Thanks all,

Well I have no claims protection, so in theory that shouldn't affect my NCB, although my wife had the same and when she claimed they just bumped up her premium instead....

Time to give them a ring i suppose.

E-I

Evil-I · 22 Jul 2014 at 12:38

Hyburnate said:
"comprehensive CCTV keep Heathrow Airport Short Stay Parking safe as well as convenient." I'd call them out on that.

Yes, well spotted, I think I will point this out to them!

Howard · 22 Jul 2014 at 12:40

How bad is the damage?

Evil-I · 22 Jul 2014 at 12:54

Its not awful, caught the rear corner, mainly scraped with minor dents, but unfortunately managed to damage thee panels at the same time, so you can pretty much guarantee any body shop would want to respray all three..... Off the top of my head I'd guess £500 or more to put right? If I took it to Audi, probably £2000 :-)

E-I

Evil-I · 22 Jul 2014 at 17:00

Hi All,

Well spoke to my insurers (LV) and really pleased. No issues, really helpful guy called James and so far almost a pleasurable experience.

They are sending a guy to assess damage Thursday and it will all go from there.

But so far, would definitely recommend LV.

Thanks for the advice all!

E-I

Wizardskills · 22 Jul 2014 at 17:38

Evil-I said:
Hi All,

Well spoke to my insurers (LV) and really pleased. No issues, really helpful guy called James and so far almost a pleasurable experience.

They are sending a guy to assess damage Thursday and it will all go from there.

But so far, would definitely recommend LV.

Thanks for the advice all!

E-I

You'll pay for that level of service later on

.