Worth claiming?
#1
Worth claiming?
So basically some little **** has keyed my back quarter. See below
Question is, I've never claimed on my insurance in my 10 years of driving. I do have protected ncb. Is it worth me claiming to get this sorted? I did report it to the police and I have a crime number. Just don't really understand how it works. Surely you can't have more than one claim in a years policy without losing my 10yrs ncb??*
Question is, I've never claimed on my insurance in my 10 years of driving. I do have protected ncb. Is it worth me claiming to get this sorted? I did report it to the police and I have a crime number. Just don't really understand how it works. Surely you can't have more than one claim in a years policy without losing my 10yrs ncb??*
#3
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Get it sorted yourself, the hassle, stress, combined with raised insurance premium next time round probably isn't worth the going down the claim route :-(
Leave insurance for BIG claims, or third party at fault stuff.
Ask on here for a decent body shop in your area.
Leave insurance for BIG claims, or third party at fault stuff.
Ask on here for a decent body shop in your area.
#5
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Defo not to claim & speak to a body shop you trust. Also some mobile unit people are very good if you know the right person. For example my friend owns a car sales business & they have tried various mobile ppl & now use the best one. These guys can be helpful if recommended and save you some big bucks at a body shop
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#9
The ten years ncb doesn't mean anything to most. The normally only reward up to 5 years at which point it's capped as a rule of thumb. Normally a claim removes 2 years ncb so rather than drop down to 8 years and keeping full bonus still ( as above the 5 year cap ) you would most likely drop back to 3 years ( they take the 2 years off the 5 year cap dropping you to 3 ).....
That's just the first sting, you then have your excess, normally couple hundred plus and then any associated loadings come your next renewal.
Effectively you are hit in three ways.
Go private and keep your bonus for a big thing which I hope you never need.
(I'm an ex insurance robbing ******* employee)
That's just the first sting, you then have your excess, normally couple hundred plus and then any associated loadings come your next renewal.
Effectively you are hit in three ways.
Go private and keep your bonus for a big thing which I hope you never need.
(I'm an ex insurance robbing ******* employee)
#14
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@ Donny andi,
Thats based on £100 paint and materials and 5hrs @£30ph to prep and paint 1/4 and blend into surounding panels, £250+vat is reasonable for a quality repair.
Thats based on £100 paint and materials and 5hrs @£30ph to prep and paint 1/4 and blend into surounding panels, £250+vat is reasonable for a quality repair.
Last edited by Black-Hawk; 30 April 2012 at 07:22 PM.
#18
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sorry lads, yes i have a sunroof on my mine. wrx sl model
the work i had done was from one of the best spray painter/accident repair guys in my local area. done a lot of various subaru's and get rave reviews, thats why i used them,
and my local garage i use gets his scooby done in there as well.
had a new wing and colour coded when my neighbour reversed out and caught my car 2 yrs ago was over 1k for new wing, painted and my bumper to be fully done as that was badly stoned chipped. from subaru.!!
the work i had done was from one of the best spray painter/accident repair guys in my local area. done a lot of various subaru's and get rave reviews, thats why i used them,
and my local garage i use gets his scooby done in there as well.
had a new wing and colour coded when my neighbour reversed out and caught my car 2 yrs ago was over 1k for new wing, painted and my bumper to be fully done as that was badly stoned chipped. from subaru.!!
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