Mrs Gaz's car had its fuel filler cap knocked off by another car while filling up at a fuel station.  There's some minor paintwork damage as well.

 

Our preferred repairer has indicated it'll cost £500 to £600 to repair.  We haven't got an exact quote as they charge £35 to quote.

 

Mrs Gaz is planning to do it through her car insurance.

 

Mrs Gaz is on my insurance for both the V70 and Golf, so would I be right in thinking her incident, in her car, is going to affect my renewal premiums?  If so, would I be better off simply paying for the repairs and not having an insurance claim made?

 

Ta for any advice.

 

Gaz

 

Why not get the other driver to pay and not go through insurance...

16 minutes ago, Gaz said:

Mrs Gaz is planning to do it through her car insurance.

 

Mrs Gaz is on my insurance for both the V70 and Golf, so would I be right in thinking her incident, in her car, is going to affect my renewal premiums?  If so, would I be better off simply paying for the repairs and not having an insurance claim made?

The only certain and legal method of avoiding or minimising increases in premium on your cars in this situation is to remove her from your policies at renewal time.

2 minutes ago, skomaz said:

Why not get the other driver to pay and not go through insurance...

 

That is an option of course, as why should she/we be financially disadvantaged.  Mrs Gaz was going to get quotes and then go discuss it with him, but seems to have changed her mind.

 

1 minute ago, Paws4Thot said:

The only certain and legal method of avoiding or minimising increases in premium on your cars in this situation is to remove her from your policies at renewal time.

 

That's a very likely outcome (It'll also thwart her goal of getting my Golf for herself once and for all).

 

G

Personally, given you'd have an excess to pay, I'd avoid the insurance route as that would be more expensive in the long run.  My guess is s decent small bodyshop doing the work privately will be pretty cheap (my mum had a bump recently that staved in the nearside front corner and the non-insurance repair quote was almost the same as her excess...  around £400....

 

When I had the Swift bumped and no one owned up it had significant damage to the front wing and bumper - the local bodyshop repaired it for £270...   the insurers excess would have been more than that and thier repairer quoted nearly £2k...

Edited 12 September, 202412 Sep by skomaz

42 minutes ago, Gaz said:

That's a very likely outcome (It'll also thwart her goal of getting my Golf for herself once and for all).

Removing her from your insurance will probably increase the premium if you remain as the only driver.

I doubt your wife's claim would affect your insurance premiums much and as already put taking her off your insurance and leaving you as an only driver might/would increase your premiums, perhaps more than leaving her on as a named driver, you can test this when you next apply to renew your insurance.

 

To claim or not also depends on how much excess is on your wife's policy. often there's a compulsory £100 but if you're both older there may be a 'nil' voluntary or £50 or £100.  I am not a legal or insurance expert but I think you're supposed to notify the insurance of any incidents, whoever's fault and whether you are going to claim or not.  If your wife puts in a claim it will affect her insurance premium even if she has NCD protection.

 

Again you can vary the premium you pay by adjusting the voluntary excess, sometimes you can lower the voluntary excess you need to pay without the premium increasing, in previous thread on here ways of keeping the premiums lower have been discussed.

 

Good luck, never worry about a bit of metal being bent a bit, it's only a car (including the Golf).

 

22 hours ago, Gaz said:

Mrs Gaz's car had its fuel filler cap knocked off by another car while filling up at a fuel station.  There's some minor paintwork damage as well.

 

Our preferred repairer has indicated it'll cost £500 to £600 to repair.  We haven't got an exact quote as they charge £35 to quote.

 

Mrs Gaz is planning to do it through her car insurance.

 

Mrs Gaz is on my insurance for both the V70 and Golf, so would I be right in thinking her incident, in her car, is going to affect my renewal premiums?  If so, would I be better off simply paying for the repairs and not having an insurance claim made?

 

Ta for any advice.

 

Gaz

 

I want to say you should be able to claim on the third party's insurance, and claim any excess you need to pay back off them as part of the claim.

However it's been so long since I made an insurance claim, I'm not sure whether that's still the case.

I've had "legal cover" attached to my insurance for many years and IIRC, the last time I had a claim, Privilege Insurance was claiming against Privilege insurance, with both parties having legal cover.

It was all sorted out in my favour eventually (as the incident was not my fault), but the whole process seemed ridiculously bureaucratic and wasteful.

But I got my excess back.

17 minutes ago, EnterName said:

However it's been so long since I made an insurance claim, I'm not sure whether that's still the case.

 

This is Mrs Gaz's first insurance claim in 40 years of driving.  She's not long off the phone to her insurer as, wait for it..... wait for it...... their online claims system isn't working 🙄

 

I'm sure she'll get her excess back.  Our preferred repairer isn't on her insurers list.  If we wanted to use our preferred repairer, we'd have to pay £200 for the privilege.

 

I've given up.  I've offered to glue it back on and use touch-up paint.  I've offered to buy a £40 unit (same colour) from a scrapper and fit it, so we'd only have a small area of paint to sort out.  But it's going through insurance.  C'est la vie.

 

Gaz

 

Epilogue 😐

 

An Accident Repair Centre came out today and replaced the fuel filler flap assembly in pre-painted flash red.  It took him ten minutes.

 

He allegedly tried to polish out the minor paint chips.  And said if we're not satisfied to call the office and they'll arrange paintwork.

 

As we all know, fresh flash red is never going to match nine year old flash red.  I can see the disparity - it's not awful, but it's there.

 

I've said that if Mrs Gaz is not happy, she should call the ARC and tell them so.

 

I am now in the dog house for not telling Mrs Gaz to not make an insurance claim, even though I did not know she was making one until it was already happening, and my understanding was I'd be getting some 'All Plastics' adhesive to glue the old flap back on with as a first step.

 

Doodle do be doo 🙄

 

Gaz

 

 

Hi.

If you have any issues with insurance come renewal time then please feel free to drop me a line,

Regards,

Dan,

I feel for you Gaz

 

That painted plastic filler cap cover is going to cost you, her and the third party big time and its all your fault 😆

 

1 hour ago, J.R. said:

That painted plastic filler cap cover is....

 

The cruel irony is that the £39.99 one from a scrapper:

 

 

Is also from a flash red, '65 plate Polo, just like Mrs Gaz's.  What's the betting it was from the same f'kin' pot of paint and would have faded to be a near f'kin' perfect match for Mrs Gaz's? 🙄🙄🙄🙄🙄🙄

 

Gaz

 

My thoughts exactly but I did not want to rub it in!