Dai the Socket Posted October 23, 2006 Report Share Posted October 23, 2006 If i go through my insurance how much extra will my insurance quote go up by? And will it only effect next years price and then i can earn a years no claims after that?If so i might aswell go through my insurance, i was planning on downgrading to a 1.0 mini anyway.Lol. I crashed my mum's Kraut Wagon 1.4 diesel in to a curb a month after I passed, and was a named driver on the insurance. We had to claim cos it f**ked the wheel, gear box mounts, drive shaft, argh, wishbones etc.. coming to £4900! Including labour from a BMW approved garage, which on it's own came to £1300.I am not utterly, f**kED for insuarance. TPFT a Group 2 car, on my mum's insurance which has no claims, but me with a claim, gives cheapest quotes of £900. Good 'eh?Just find out how much it is first, and where he got the quote from, ask if it'd be ok if you looked around for a few quotes too and be really thankful! Quote Link to comment Share on other sites More sharing options...
MadManMike Posted October 23, 2006 Report Share Posted October 23, 2006 As has been said, i'd honestly say around £300 minimum. £70 wouldn't buy you a second hand indicator light with Rover dealers... Quote Link to comment Share on other sites More sharing options...
Prawny Baby Posted October 23, 2006 Report Share Posted October 23, 2006 Whereas if he takes it to a proper normal, trustworthy garage im sure you will get away with paying a little more than £150. not likely mate.......the local audi dealer wanted £1350 to fix mums car......it was done by a local independant body repair centre, who are well known for being inexpensive, and it still cost around £700.body work on modern cars costs BIG TIME Quote Link to comment Share on other sites More sharing options...
Fish-Finger-er Posted October 23, 2006 Report Share Posted October 23, 2006 all depends, cant give prices without seeing the damage. hey, might even push out, you never know. and as for avoiding going through insurance i agree. totally took the front end off my 306 down the back lanes last august. destroying a dry stone wall in the process. total bill came to 1120 for the bridge. now i had 2 options. 1) pay 1120, job done, its just over a grand. fair chunk. no claims bonus remains in tact2) go through insurers. £550 excess(With NUD, £250 standard excess + 300 for being a new driver)now on the car i wanted back when the bill came through (subaru impreza awd sport) would of been looking at 1100 fully comp at 18 with no crash and me no claims bonus. or 2400 with a crash and losing my no claims. so would of cost me 730 more to go through insurance, in my first year after me crash,and probably a few hundred every year for 5 years. not to mention the extra hassle of paperwork, car inspections,etc compared to whackin me hours up at work for a month an breaking the 306 for parts. and nick, you might of had a smash, and think your paying light, £900 for a group 2 car in your mums name. im paying that for a modified group 11 car in my name. at 18. Quote Link to comment Share on other sites More sharing options...
Simpson Posted October 23, 2006 Report Share Posted October 23, 2006 they will make up alot of bullsh*t like:"As the car took quite an impact we will need to replace the whole boot lid, and the brackets, and as the light may have taken some damage we would prefer to not risk it and fit some new ones, and their casing. The bumper may be usecure so well have to refit it onto the mounts. This will come to about £700, and then £1,000,000 labour. Thank you."Yea HOWEVER behind the bumpers its packed with like an impact foam thingand 1ce its hit it all needs to be stripped out an replaced - its not always a caseof "urm yea mate you need a new bumper" you need to do the whole job what you can see and whats going on inside modern cars is very differentlike my dads car had a hard impact to the rear and i think they had to do quitea lot of work to it - not like we ever have to pay for work to our cars Quote Link to comment Share on other sites More sharing options...
anzo Posted October 23, 2006 Report Share Posted October 23, 2006 I may be missing the point here, and someone may have already mentioned this. But personally I would either notify the insurance company OR police as soon as you hit anyone and any damage is caused.Theres nothing to stop this guy claiming for whiplash a few month down the line, or even claiming for shock (and yes, it happens). He could also claim that you hit him and drove off.No going though an insurance company leaves you open for accusations and claims which will not be covered by your insurance if you fail to tell them as soon as the inncident accures (some insurance companies cover court costs against such claims).I'm really not trying to worry you, but seriously, watch your back. The guy 'seems' decent enough to say that, but I have to deal with insurance companies everyday, and I also have to deal with people making claims about every month, all from 'injuries' caused years ago.Obviously these claims get nowhere becuase the company I work for is pretty big, and we have evidence to back ourselves up 100%. However, this teaches you to trust NO ONE and that anyone will try anything in order to make an easy dollar. Quote Link to comment Share on other sites More sharing options...
Chicky Posted October 23, 2006 Author Report Share Posted October 23, 2006 hmm, well we'll see how much it costs. I'll be sure to keep you lads posted.fingers crossed its under £200, if so might be able to get the money from my mums account (long long story). Quote Link to comment Share on other sites More sharing options...
Tomm Posted October 23, 2006 Report Share Posted October 23, 2006 I am pretty sure you're legally obliged to report any accident to the police regardless. My mate got pulled to court for1) Leaving the scene of an accident2) Failure to report an accident3) Criminal damageWhen he hit a tree late at night (wrote off the car) and went back in the morning to pick the car up. Luckily nothing came of it, he got away with it in the end - And counter-sued for legal fees The other thing to do is to put yourself in the other guy's shoes. He gets hit from behind, not his fault etc. Do you really think he's going to settle for a half-rate job that devalues his car, just out of the goodness of his heart? So whoever said to find a random bumper, spray it, and fit it yourself - That's never gonna happen! Quote Link to comment Share on other sites More sharing options...
Urpedigreechumdog Posted October 24, 2006 Report Share Posted October 24, 2006 £50-£70!!? sweet! I was expecting like £300-£500 Can anyone clarify this? Sounds too good to be true!If you go to a breakers and you are lucky enough to find a bumper of the same colour then you are laughing. My mate swerved his rover into a ploughed field and f**ked the front bumper which only cost £25 to replace + fitting which was £40something. A rear bumper can't be much more than that £50.. Quote Link to comment Share on other sites More sharing options...
Chicky Posted October 24, 2006 Author Report Share Posted October 24, 2006 Did your mate go to a garage to get it fixed then? And they got a bumper and stuff for him?What do you mean 'you'll be laughing'? Quote Link to comment Share on other sites More sharing options...
MadManMike Posted October 24, 2006 Report Share Posted October 24, 2006 Pedigree - if it was his car, yeah. The point is the guy that got his car smashed isn't likely to want "a second hand bumper that I just sprayed". If I was in a crash i'd get it done by the official garage and get it done properly. Quote Link to comment Share on other sites More sharing options...
anzo Posted October 25, 2006 Report Share Posted October 25, 2006 Get in touch with Blue Peter, I'm sure they'll knock you something up with some paper mache and colour it in. Quote Link to comment Share on other sites More sharing options...
Dan6061 Posted October 25, 2006 Report Share Posted October 25, 2006 Get in touch with Blue Peter, I'm sure they'll knock you something up with some paper mache and colour it in. "You're in luck! Here's one I made earlier" Quote Link to comment Share on other sites More sharing options...
Urpedigreechumdog Posted October 25, 2006 Report Share Posted October 25, 2006 Did your mate go to a garage to get it fixed then? And they got a bumper and stuff for him?What do you mean 'you'll be laughing'?I mean that it would be an ideal situation for you, not too much damage to your wallet. He went to a brokers yard and sorted it himself, i think they did the work too.Point taken by Mike, my way would be ideal to sort your own car out. If he is a patient man who'd wait for you to ring round brokers yards and if he is happy to take a good condition second hand bumper.... Which he probably doesn't. Has he said that he wants a garage to do it? Got any mates that work in garages? Quote Link to comment Share on other sites More sharing options...
anzo Posted October 25, 2006 Report Share Posted October 25, 2006 Its not what you know, its who you know.Nows the time to ring around those friends you didn't really like in school, especially those chinese ones, and see if you can get any parts imported/fitted. Quote Link to comment Share on other sites More sharing options...
Chicky Posted October 26, 2006 Author Report Share Posted October 26, 2006 So here's how its turned out.She went to a accident and repair garage in chippenham, they told her that not only the bumbers f'cked but the boot door and whatever's behind the lot is f'cked too. So they gave her a quote, £1500-£1600. Bugger me! That's a lot of cash, cash which i do not have. So it's going through insurance.Now a couple more questions, do i have to pay anything? Or do my insurance pay everything and then i just get a fat premium next year?Also how long is this going to take? I'm meant to be swapping my car with a mini within the next week or so, will this effect anything?On a lighter note, got my new headlight today. £10 That's the 106 fixed. Quote Link to comment Share on other sites More sharing options...
anzo Posted October 26, 2006 Report Share Posted October 26, 2006 Insurance SHOULD sort everything. However, what you'll find is that no insurer wants to pay out, and so it may envolve a long, drawn out affair about what actually happened and they'll argue out who's fault it was.You shouldn't have to pay anything, although you may have an excess fee, usually set by yourself, and usually a maximum of £500 excess or as little as £50, it all depends what you chose. Quote Link to comment Share on other sites More sharing options...
Tomm Posted October 26, 2006 Report Share Posted October 26, 2006 You shouldn't have to pay anything, although you may have an excess feePlus hundreds of pounds in increased premiums over the next few years, as people have said... Quote Link to comment Share on other sites More sharing options...
anzo Posted October 26, 2006 Report Share Posted October 26, 2006 Plus hundreds of pounds in increased premiums over the next few years, as people have said...Pretty obvious Afterall, what would insurance be if it were useful and cost effective? Quote Link to comment Share on other sites More sharing options...
Chicky Posted October 26, 2006 Author Report Share Posted October 26, 2006 Well this is strange, everytime i get in cotact with the person i hit ive talked to the woman who was in the back. It's her car aparently and i think she's giving me her insurance details. Surely it should be the guy who was driving that should be giving me his details? And if he doesn't have insurance, i dont have to pay out... right? Quote Link to comment Share on other sites More sharing options...
Fish-Finger-er Posted October 26, 2006 Report Share Posted October 26, 2006 personally even at £1500, id be tempted to take a loan out as opposed to paying the insurance. all depends on your excess, your situation and your aims over the next couple of years. if youve got a £300 excess, plan on insuring a car in your own name next year, and would in 18 months like to upgrade your car to something slightly sportier(or any time in the next 5 years). then id strongly suggest paying the £1500, as i said in the 12 months following my crash, i had an £1100 bill and would of been at least £1800 out of pocket. however if its a low excess, your a fan of boozy cruising, cudnt really be arsed as to what car you have, or plan on going on your parents insurance, then insurance may be more desirable. also if u think ur gunna crash again in the next few months, might as well go through insurance anyway. Quote Link to comment Share on other sites More sharing options...
Tomm Posted October 26, 2006 Report Share Posted October 26, 2006 It depends on her policy. She might have the policy with her husband as a named driver, or she has one of those things where she can allow any driver to drive her car with permission. So don't get your hopes up Quote Link to comment Share on other sites More sharing options...
Chicky Posted October 26, 2006 Author Report Share Posted October 26, 2006 her husband is her named driver, that's the first thing she said.Anyway, im going through insurance, i'm getting my 1.0 mini soon and that's all i want for a good few years so it should be alright.so yeah, all should be sorted now. And i dont have to pay any excess for insurance aparently! Quote Link to comment Share on other sites More sharing options...
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