Hi, in a senior moment I tried to back the Scout into the garage with the tailgate up! it didn't fit!!!

Question is I have 9yrs NCD, only pay around £220 for insurance, would I be better off paying myself or going through the insurance?

My NCD would go back to 4 yrs, I would have to pay the first £200, god only knows what my premiums will be in the future as I have never claimed in 50 yrs.

The tailgate is ruined but a mate has made it operable for me minus a strut but it does need sorting, I expect it to cost around £700.

Thanks in advance for any help and I promise to take more care in future.

You could try this bloke, he is breaking a mk3 estate.  Might be cheaper to get that resprayed rather than getting new if you are not going through insurance.

 

http://www.ebay.co.uk/itm/SKODA-OCTAVIA-VRS-12-2016-MK3-ESTATE-REAR-BULB-FOR-SALE-BREAKING-SPARES-REPAIR-/112134967568?hash=item1a1bc3d110:g:Q7cAAOSw0UdXrG8w

Run a few go compare insurance quotes with your details and 4yrs NCD instead of 9 years and look at the price difference.

 

I believe you have to declare the claim for 3 years, if you do claim...

 

Someone hit my car while parked and damaged the bumper and wing, they claimed on their insurance, but its probably cost me £50 extra a year for the last 3 years.

Beware of putting things like this through any comparison sites with accurate details. I did this with my daughter's car and we ended up with issues with her current insurer chasing us for information on a non fault accident that my wife had with her car simply because I had put a tick in the wrong place. We had to go to all of the hassle of proving the non fault accident was just tht as the insurance company stated that they recorded every time a quote was sought and compared the info given with what they had recorded. Adding details of  hypothetical accident could have the same effect.

Beware of putting things like this through any comparison sites with accurate details. I did this with my daughter's car and we ended up with issues with her current insurer chasing us for information on a non fault accident that my wife had with her car simply because I had put a tick in the wrong place. We had to go to all of the hassle of proving the non fault accident was just tht as the insurance company stated that they recorded every time a quote was sought and compared the info given with what they had recorded. Adding details of  hypothetical accident could have the same effect.

Yes I agree, the last thing I want to do is give the insurance company's any help to hit me if I decided to pay for my own repair, I could be deemed a extra risk just for doing a dim thing even at no cost to them!

I am just waiting for a garage friend to get back to me, he is finding it hard to source a new tailgate and has tried very hard to get one from a breakers with no luck.

But thanks to all for your advice.

Technically any accident even if you don't claim you have to declare. I would imagine though with self inflicted damage to your own car and property you'll get away without saying anything.

Hard call to make, I'd personally get a quotation to repair the damage then less your current excess and see what the damage is then (pardon the pun).

Insurance is meant to be going up again this year by 17% because of *insert any lame excuse used my robbing insurance companies*.

Personally if it was me I'd probably pay for it myself, but then due to my postcode I've a higher excess than yourself.