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Discussion Starter #1
After only about 2 months and I've had an unfortunate incident with my new bella (why oh why coulndn't this have happened in the escort that I drove for 5 years accident free?!!!!) Thankfully the damage is not too bad. Couple of questions for those of you who have had this unfortunate experience.

1. Accident took some paint off the front bumper - do these generally need an complete respray to fix or can they be touched up?

2. Recommendations for body work around Reading (where I work) or around East London?

3. If Insurance decides it's my fault how much generally do they hit you for on the renewal?
 

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3. If Insurance decides it's my fault how much generally do they hit you for on the renewal?
If you have full bonus and it isn't protected you'll usually drop from 65% NCB to 40% NCB so if your original premium was £100 it'll go up to £171 ish. Plus they'll probably bang on a little for the inconvenience :rolleyes:

That's what I can remember from my insurance days. :)
 

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Discussion Starter #6
If you have full bonus and it isn't protected
Thanks for the info Millie. Am really happy I decided to fork over for NC proctection this time round. :) I do find it exasperrating though that you drive for years without a mark on your record and one little slip they come down on you. Sure would be nice to at least have a mulligan.
 

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Thanks for the info Millie. Am really happy I decided to fork over for NC proctection this time round. :) I do find it exasperrating though that you drive for years without a mark on your record and one little slip they come down on you. Sure would be nice to at least have a mulligan.
In that case, you'll probably find they still penalise you slightly for having had the claim but your discount remains the same.

I had a citreon xsara written off a few years back while it was parked. The guy jumped out of the car before the cops got there and claimed he wasn't driving and wouldn't tell them who was.

Under Directline's uninsured driver promise, my no claims and excess should have been protected. However they said they couldn't prove that the car was uninsured.

I said nice try, but the car either WAS insured, in which case they should claim of that policy not mine, or it WASN'T insured, in which case my NCB and excess would be protected.

Strangely they sent me a cheque for £150 and reinstated my NCB.

I was quite pleased. :)
 

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Discussion Starter #8
In that case, you'll probably find they still penalise you slightly for having had the claim but your discount remains the same.
Yes they always fine a way don't they? My Insurance has got back saying that I am at fault :( so I spoke to the other driver and asked if it would be ok if I paid for it myself instead of claiming but my Ins company had already picked up the car!! Damn they are quick. Called the case manager for the claim and he said he'd send me the estimage and if I think worth it, I can just pay the garage directly and they will cancel the claim. Fingers crossed but I'm pretty sure her damage was not anything that would cost a lot to fix.
 

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Yes they always fine a way don't they? My Insurance has got back saying that I am at fault :( so I spoke to the other driver and asked if it would be ok if I paid for it myself instead of claiming but my Ins company had already picked up the car!! Damn they are quick. Called the case manager for the claim and he said he'd send me the estimage and if I think worth it, I can just pay the garage directly and they will cancel the claim. Fingers crossed but I'm pretty sure her damage was not anything that would cost a lot to fix.
Trouble now is that they will have a record of the non claim accident which you are also supposed to declare. ;)
 

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Discussion Starter #13
The saga continues....I called the insurance company to see what the quote would be from the body shop that the other person's car has already been taken to. Figured, as the damage to mine was pretty small hers wouldn't be much to fix. From what I could tell the damage wasn't bad. They tell me 750 QUID PLUS VAT!!!!!:wow: Said they had to replace the whole bumper???? This seems absurd. I don't see how, given that my cars front quarter has a push in and a bit of paint on it that hers could need a new bumper? Think something STINKS a bit here, like body shop quotes as high as it can simply to make more money because they know it's an Insurance claim? I can't get the other driver to take it somewhere else for a quote at this point because she's already said she wants it done regardless of who pays so figure as I'm having to pay my excess and make a claim may as well heap mine on there too. DAMN, DAMN DAMN!
 

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If her bumper was even slightly cracked, it'd need replacing. I spun my old 147 on ice a few years back and ended up going into something backwards, resulting in a small 'puncture' to the plastic - needed a whole new one.

Had a similar incident to yours with my GT recently, in that I got hit but the bumper stayed in one piece. Quote to remove it, re-spray it, then re-attach/align it was £350ish.
 
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