Hi All.

 

I have never made an insurance claim before. This question may seem very general and vague. But does anybody have any experiance with increasing premiums after making a fault claim for asthetic damage repairs ? (my no claims discount will be uneffected as ive protected it and can make 2 fault claims before its effected). I had a quote of around £800 to repair the damage. 

 

I know it will go up. But are we talking £50 or £300. Like i say ive never made a claim before and nor have any of my immediant friends or family. So ive really got no idea what kind of increase to expect.

 

Cheers.

What on earth is "asthetic” damage?

1 minute ago, xman said:

What on earth is "asthetic” damage?

Where you do an action movie slide across the bonnet on your ass and scratch the paint!

1 hour ago, xman said:

What on earth is "asthetic” damage?

Aesthetic, as in cosmetic rather than structural.

3 hours ago, Fabiamac said:

 

I know it will go up. But are we talking £50 or £300. Like i say ive never made a claim before and nor have any of my immediant friends or family. So ive really got no idea what kind of increase to expect.

 

 

 

Impossible to say, it varies on the insurance company, the underwriters mood, cost of claim and many many other things. Could be zero, could be hundreds, generally low if you have a good track record.

 

Rather strange description of claim, if theres any suspicion of you wanting just to tidy up you car i.e. several unrelated incidents in one claim, they may put it up lots.

 

If you've already contacted them about it even if you've not made a claim yet, it will have been recorded as an event on your claims record that stays on the insurance database for 6 years. So your premium may still go up.

 

In short your guess is as good as mine.

Its just one incident thats caused some damage when i hit a stationary object. (Not another car). But i guess the catagories they use to calculate premium increases might not be very specific. So could be put in a more vauge catagory. Ethier way its not a hugely expensive claim value. So perhaps it wont be too significant. 

I'd cover that cost myself for a few reasons. First up, if the insurance does it then they''ll do it through as cheap a channel as possible and the result will show in the finish. If you do it yourself then you have full control over where it goes and what happens. Second, if the insurance do it (or even know about it as said previously) then you'll be noted as having had an accident and will get adjusted premiums for the next few years, probably adding up to the cost of the repair anyway. Third, if the repair isn't up to your standard you can take it up directly with the repair shop, rather than having to fight with the insurers to send it back and be redone.

 

Best if at all possible to not have anything to do with insurance companies, other than having to pay their premiums once a year for the purposes of complying with the law. They'll stuff you over at any available opportunity.

Hi.

It does depend on each individual insurer and their specific terms for one "fault" claim. Whilst some of our schemes will allow one minor discretion with no loading the vast majority normally load anywhere between 15% to 30% but this a very rough indication.

Thanks.

Dan.

 

On 13/11/2018 at 19:28, amwphotos said:

Where you do an action movie slide across the bonnet on your ass and scratch the paint!

 

Also known as “when Starzkey and Hutch becomes real aching crutch” 8-)

Make a claim and your renewal will go up. How much depends on your insurer and how much you pay now. I'd guess about 25% higher for the next 2-3 yr.

 

I'd only ever consider very large claims. By the time you factor in excess, loss of no claims and premium increase it's not worth claiming unless it's a large amount.