Somone crashed in to my car & left a note

andybird123 · 2 Jun 2017 at 09:31

Iamzod said:
I used to work for UKI, they didn't load premiums on any policy they underwrite.

I am still a customer & my non-fault still makes no difference.

as per my post above, I did a test getting a quote with and without a non-fault claim - the ones that didn't change for adding the claim were already 50% higher than the ones that added 10% for the claim - do people really go with companies that charge an extra £200 to avoid a £40 claim charge?

the cheapest quote I had with no claims was around £400, the cheapest with 1 non-fault claim at £500 was £440, so a 10% increase - the ones that didn't change were up around £600 like for like on cover (yes I did check), churchill for example was £750 before and after!

Invertigo · 2 Jun 2017 at 10:02

So after a quick skim of this I got the following...

Ops car was reversed into, presumably at low speed as you don't see many people reversing at 20mph, the culprit left contact details and offered to pay for any repairs.
The OP decided this wasn't good enough after not getting a reply within 2 hours, during working hours for most people?
Demanded to go through insurance in order to keep the car and get it repaired properly, despite it being a 10+ year old Ford with a damaged panel and damaged door, quick and easy fixes for the diyer but a brand new wing and door for a body shop no doubt, with a full side respray.
OP now shocked that car was written off?

Did I get everything there? So it could have had replacement parts from a breaker car for what, £100? And yet now the OP has a (another from the looks of it) claim against his name, the guy who offered to sort it himself gets shafted with a fault claim, and the OP has lost the "sentimental value" car regardless?

Bravo, sir. Bravo.

And we wonder why some people wouldn't leave their details in an instance like this.

PiKe · 2 Jun 2017 at 10:08

There is no way anything beyond cosmetic damage was done unless your chassis was made out of cheese.

The insurance just word it like that instead of putting that real reason that the repair is worth more than the car.

Also, they can't exactly write KARMA on the job sheet.

Gaygle · 2 Jun 2017 at 10:42

terley said:
For those that are interested, there was extensive damage done to the car more than just the bodywork, thus the car has been written off, luckily the company are paying me double what i thought the car was worth.

Lol what?! It was a dented wing caused by a car reversing into it at 5mph! "Extensive non cosmetic damage done to the car"

what a load of old carp.

Still, i'm glad the man on the phone from the insurance company kept to their well informed promise of not writing the car off.

Kuros · 2 Jun 2017 at 10:44

I'm taking bets now that OP will buy the car back, for the sentimental reasons... then get it fixed on the side cheaply and pocket the rest of the cash?

Am I right?

Iamzod · 2 Jun 2017 at 12:26

andybird123 said:
as per my post above, I did a test getting a quote with and without a non-fault claim - the ones that didn't change for adding the claim were already 50% higher than the ones that added 10% for the claim - do people really go with companies that charge an extra £200 to avoid a £40 claim charge?

the cheapest quote I had with no claims was around £400, the cheapest with 1 non-fault claim at £500 was £440, so a 10% increase - the ones that didn't change were up around £600 like for like on cover (yes I did check), churchill for example was £750 before and after!

Direct Line are the cheapest for me, was paying £164 last year with no excess on a Mondeo TDCi, swapped to an ST220 and it's still only about £240 a year.

Maundie · 2 Jun 2017 at 12:31

Kuros said:
I'm taking bets now that OP will buy the car back, for the sentimental reasons... then get it fixed on the side cheaply and pocket the rest of the cash?

Am I right?

I don't think it will be repaired cheaply as didn't he say he wanted it signing off by an engineer

Moobert · 2 Jun 2017 at 13:45

terley said:
"like i should've done in the first place"

Like i have said many times, i had good reasons to go through insurance...

terley said:
Well i took your advice, offered to get a quote on it, he now wants to go through insurance.. So there we go.

So who made the call that it should be an insurance job?

andybird123 · 2 Jun 2017 at 19:18

Iamzod said:
Direct Line are the cheapest for me, was paying £164 last year with no excess on a Mondeo TDCi, swapped to an ST220 and it's still only about £240 a year.

Not sure how that relates to what I was saying - a quick google show that direct line are one of the ones that do say a claim can affect your renewal price

Iamzod · 2 Jun 2017 at 19:34

andybird123 said:
Not sure how that relates to what I was saying - a quick google show that direct line are one of the ones that do say a claim can affect your renewal price

You were saying companies that do not charge for non fault are more expensive to start with, not always the case, certainly not for me. Direct line & Churchill are the same company BTW, just a different brand.

andybird123 · 2 Jun 2017 at 20:26

Iamzod said:
You were saying companies that do not charge for non fault are more expensive to start with, not always the case, certainly not for me. Direct line & Churchill are the same company BTW, just a different brand.

I didnt say always, i said I did a test and posted my results, i'm totally willing ro accept that it wont be true 100% of the time - i found 2 articles that directly quoted a rep from DL saying even non-fault claims can affect premiums

The AA say it can affect premiums by up to 40%, or even one outlier that whacked on 300% for 2 non-fault claims. As a general rule its far more likely to affect your premiums than not.

Your saying direct line definitely dont add for non-fault, Direct Line say they can and do. They didnt elaborate on what circumstances.

terley · 2 Jun 2017 at 23:05

muon said:
I thought the reason was to get a good insurance repair for a car with sentimental value?

It was,

Moobert said:
So who made the call that it should be an insurance job?

Despite what others say on here, i did wait a fair amount of time to hear back from the guy my knee jerk reaction was to ask for his reg/insurance company etc because that is what people are taught to do.. Especially myself i used to employ 30+ drivers under a company insurance policy, he was very vague in his replies thus i requested to go through insurance.

An hour or so later after not receiving a message whilst i was in work i said i would get a quote on the repairs, he instantly replied saying "right ok, well i've told my insurance company now.."

Boycey0211 · 6 Jun 2017 at 01:18

terley said:
It was,

Despite what others say on here, i did wait a fair amount of time to hear back from the guy my knee jerk reaction was to ask for his reg/insurance company etc because that is what people are taught to do.. Especially myself i used to employ 30+ drivers under a company insurance policy, he was very vague in his replies thus i requested to go through insurance.

An hour or so later after not receiving a message whilst i was in work i said i would get a quote on the repairs, he instantly replied saying "right ok, well i've told my insurance company now.."

Yeah, you went on the offensive and mentioned insurance immediately so I'm not surprised he said the same thing.

'Sentimental value' car scrapped by insurance due to impatience and lack of communication that would have been salvageable on amicable terms. GG OP.