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Discussion Starter #1
Travelling through Scotland yesterday i hit a huge deer. Gutted as the GT was in fantastic condition and just polished! The damage is fairly extensive, bumper (possibly repairable), Front wing (bent and dented - will have to be replacred), Sill (repairable) and a big hit on the passenger door. About to phone the insurnace co pany but what the likelihood of the repair bill as dont want to make a claim (excess is 450) if not totally necassary. I have protected NCB but i assume i will still have to highlight any claim on renewal?

Is it `fault` or `no fault` when you hit a wild animal in a totally unavoidable situation?

Could ask the insurane company but wanted to get the lowdown before i phone them
 
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Have you not opted for a policy with a protected no claims bonus? If not you will probably suffer at renewal time and for this claim you will have to pay the excess on completion of the repair. I had a motorcycle blown over in high winds that meant I had to claim and it went against me even though i thought it could be seen as an "act of god"
 

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its a claim mate thats why its called no claims discount .hope its repairable .sounds like could be a Cat C or D thought dependant on age mileage find out whats its worth retail and get estimate for repairs then you will have better idea PS go to big body shop for estimate as ins com will.Good luck mate not a nice way to finish the year
 

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find one thats breaking on ebay in same colour

if ur excess is 450 i recon keep insurance out of it and get it fixed with 2nd hand bits

by the way protecting your no claims is a scam......they just put the policy up anyway for next year, yes u still have full no claims but boy as your policy shot up in price !!

Gary
 

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also factor in on your estimations the resale value of your car later down the line, having an insurance write off against the car, even if it is then repaired, will knock a considerable chunk of the value of the motor.

Insurance companies can also be funny about re-insuring previously written off cars as well, making prospective buyers even more nervous.


you need to strip the car down and find out whats really damanged. stuff like bonnets and wings is all cosmetic bolt on stuff and nothing structural, its when you start to get bent structural bits it gets problematic.

think of it like a paperclip, if you bend it out of shape, then bend it back, it gets easier to bend out of shape the next time, meaning that in the event of another accident you will find it will deform easier into that shape and therefore not withstand an impact so well.
 

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Feel for you Mate, only last night I was driving the Sportwagon through rural Herts and very nearly hit a Fawn. I was thinking how gutted I'd be if I'd have been in the GT and had it a fully grown Deer.

Hope you get it sorted.
 

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A mate of mine hit a badger and tells me they consider it is your fault. Only exception is if it is some kind of farmed animal and they can claim from the owner for not keeping it secure.
 

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Discussion Starter #10 (Edited)
Useful replies guys. Deer was killed instantly so no suffering but a shame all the same. My NCB is protected but i guess the premium will take a hit anyway come renewal. Its a 55 plate GT with around 50k miles - not sure about the value, maybe 6000?? (its immaculate - well ....was immaculate!) Will take it to a specialist to estimate cost of repair profesionally.

Slightly worried this could become a write off so like the idea of keeping insurance out of it as its bent panels rather than structural probs but aware that these things have a habit of balloning once the specialists start taking a look!

Ultimately I need a passenger side front wing and door.... preferably in Lipari Grey to keep costs down! The sill and bumper can be repaired and resprayed. Its a lot f hassle but worth it to keep the car i have spent years getting `just right`
 

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Grant

As I said in my Mail by the sounds of it the car is repairable even for insurance standards the gts can take a lot trust me on this, as fOr keeping it under your excess and keeping car to same standard no chance sorry to say that but you get what you pay for, as for protected no claims being a scam they ain't yeah sure your policy price goes up but try reinsuring the car with no no claims and a bump you would end up selling car, get the car along and I'll have a look at it for you I'll make sure you get sorted out and best options I'll let you know regardless no **** just the truth and best way to go about it

Chris
 

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Grant

as for protected no claims being a scam they ain't yeah sure your policy price goes up but try reinsuring the car with no no claims and a bump you would end up selling car
last year a work mate had a bump full no claims, and protected, come renewal time his policy had gone up from £300 to £900 still with full protected no claims......company said that was what the policy now cost........another younger work mate had a bump that wrote his car off.......claimed (again protected) his policy was £700, the new car, same model same year was quoted at £2400
you pay extra to protect your noclaims every year so in my eyes its not worth it....
you do not loose all your no claims bonus either if your not protected i think its 10 to 20 percent

that money expert went through the no claims protection and basicly declared it a rip off :)
 

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Discussion Starter #13
Its a tricky decision. Will meet up with M7ACD to understand likely cost. I reckon with a 450 excess and additional 200 on the policy come renewal, maybe another 100 the year after than the tipping point may well be around 750- 800. If i can get a repair done for around this number than i can avoid insurance, if not then i am in the hands of Gods! - To write off or not to write off - that is the question!
 

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...hate to be a killjoy.....what about the deer ???
if it didn't die of its injuries then the shock will have finished it off, sensitive things, deer.
 

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Discussion Starter #16
definitely an instant death. Head hit the car at enough speed to make it a quick and painless end!
 
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It's a scary experience.... I can't offer you advice on your insurance, every case can be different....

A few of my mates and I were on R & R leave after being on a long exercise in Medicine Hat, Canada... We got the idea to hire a big american 7 seat SUV and drive across the border to see what the US had to offer on a all guy road trip kind of thing....
To cut a long story short... We didn't get to the border...
In Alberta, on route 41 we came head to head with a moose that wanted to play chicken with us and run over the road from tree line to tree line... These things are huge, like a shire horse with antlers, the SUV was huge too..... Hitting it at 55mph it devastated the front end of the SUV pushing the engine block back 18"s towards the cab... Everyone was unhurt and we honestly thought the moose was a gonner for sure!
It just got up, shook its body like a dog shrugs off water and galloped away into the forest....

We were shook up, didn't know what to do first... A log carrier lorry pulled up and got on the CB to the local province troopers who were out quite quickly along with a recovery vehicle....

But after all that, we had to see the funny side to the poor canadian trooper's questioning when he asked us to "describe what the moose looked like?":lol:

"Erm, big, brown, bloody scary with big antlers, long legs, 450lbs+ and an attitude to match... what the hell did you it would look like????"
He wrote it all down word for word too!, No sense of humour at all...
But he was nice enough to take us all back to the local town called ... "Elk Water" Irony!.... Where nice shiny rental was already waiting for us:cheese:
Needless to say, we lost our CAN$ 1000 deposit on the first rental:rolleyes:
We stopped at a ski resort near there instead, it was safer!

I'd hate to imagine what a moose would do to an Alfa if a deer can do all that
 

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Years ago my dad hit a deer out near Aviemore (on his way to rescue my sister, who's MGB GT had broken down again)
The front wings of his Rover P6 were pushed back right over the doors - he had to climb into the back seat to get out!
When he told his Scottish neighbours about it, all they said was "where's the deer?" - Apparently when you hit one, you take it home in the boot (in the tarp you always carry) and flog it to a butcher...
 

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Insurance, IMHO I would look into paying it yourself. If you have already told them then perhaps carry on.
Uninsured hit me and my insurance company were useless to the point that it will be registered on the database and I had nothing from them. It has cost me about £30 for the privilege!

My 55 plate GT is a Cat D. It was when I bought it. It has had at least a new front bumper and new offside front wing. It depends on the company but it could well be a Cat D too if you go down that route. Personally I would pay the bill out of my own pocket. A bit of a ****er and I sometimes wonder why we bother with fully comprehensive, oh yes I remember there is little other choice :(
 

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Hi,GrantB.:)

Sorry to hear this.
Regarding the insurance,
I`n not 100% certain,
but I seem too recollect a case,
where the fact a claim was even spoken about,
has led to a marker being placed on the files of
the insured,
Maybe someone can verify/correct my recollections?

John tL.
 
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