GolfGTIforum.co.uk
Model specific boards => Golf mk7 => Topic started by: Margy on 25 May 2017, 18:19
-
Hi everyone, a quick query! Whilst my/our car was parked in my Wife's staff car park, a colleague has managed to scrape our front bumper, down to the black base in a couple of places. She has said that she does not want to involve her insurance company. However, I would like it repaired by our local VW body shop, not by Chips away or the like. If the quote is more than she imagined & she does involve a claim on her insurance, will it affect my insurance premium going forward?
Thanks as always for your help.
-
Non fault claims don't, I had one couple years ago, guy ploughed into the side of the Evoque.
Made no difference with insurers when quoting with it and without.
-
Hi everyone, a quick query! Whilst my/our car was parked in my Wife's staff car park, a colleague has managed to scrape our front bumper, down to the black base in a couple of places. She has said that she does not want to involve her insurance company. However, I would like it repaired by our local VW body shop, not by Chips away or the like. If the quote is more than she imagined & she does involve a claim on her insurance, will it affect my insurance premium going forward?
Thanks as always for your help.
Accidents happen but what a pain. At least the other driver had the decency to own up. If you go through your insurer, even as a no fault claim, they are likely to up your basic (pre no claims discount) premium so even if your no claims discount remains the same, your cost will go up. Having said that though, I wouldn't think it would be much and the cost to respray the whole bumper including removal and stripping down is unlikely to leave much change from £4-500. I think it unlikely the other person is going to want to pay that...
-
Non fault claims don't, I had one couple years ago, guy ploughed into the side of the Evoque.
Made no difference with insurers when quoting with it and without.
Agreed it won't make any difference to your future premiums as your not claiming off your own policy however that being said I know one of my sons insurance still tries to increase his yearly premium as his car got wrote off whist parked outside his home and he was at work.
It's still on file as non fault but insurers do try it on however big they are. ..
-
A claim will almost certainly will affect future insurance premiums. You will have to declare it for 3 or 5 years, depending on insurance company.
It's called 'no claim' bonus, not 'no blame'. All down to statistics unfortunately - if you're involved in a non-fault accident then stats say that you're more likely to be involved in another that is your fault.
-
A claim will almost certainly will affect future insurance premiums. You will have to declare it for 3 or 5 years, depending on insurance company.
It's called 'no claim' bonus, not 'no blame'. All down to statistics unfortunately - if you're involved in a non-fault accident then stats say that you're more likely to be involved in another that is your fault.
For certain? That from experience? Because I must be a lucky one then who managed to do multiple quotes with different insurers and it a no fault claim to make no difference.
What are the chances.
-
Thanks everyone.
It's a pain, as I don't know why I should put up with a shoddy smart repair instead of a VW approved one! However, I know what insurance companies are like! I'll probably get 2 quotes, including a smart repair one. Her car is an old banger, so she's not getting it repaired!
-
A claim will almost certainly will affect future insurance premiums. You will have to declare it for 3 or 5 years, depending on insurance company.
It's called 'no claim' bonus, not 'no blame'. All down to statistics unfortunately - if you're involved in a non-fault accident then stats say that you're more likely to be involved in another that is your fault.
Although it is not your fault and even if you do not make a claim. If you have notified the insurance company, you will go on the CUE database, and this will affect your insurance premium. I am speaking from experience because this happened to me. And once your on the database you can't get of it. I am in discussions with the insurance ombudsman at the moment to try and get this situation resolved.
-
A claim will almost certainly will affect future insurance premiums. You will have to declare it for 3 or 5 years, depending on insurance company.
It's called 'no claim' bonus, not 'no blame'. All down to statistics unfortunately - if you're involved in a non-fault accident then stats say that you're more likely to be involved in another that is your fault.
For certain? That from experience? Because I must be a lucky one then who managed to do multiple quotes with different insurers and it a no fault claim to make no difference.
What are the chances.
Yes - from experience.
-
A claim will almost certainly will affect future insurance premiums. You will have to declare it for 3 or 5 years, depending on insurance company.
It's called 'no claim' bonus, not 'no blame'. All down to statistics unfortunately - if you're involved in a non-fault accident then stats say that you're more likely to be involved in another that is your fault.
For certain? That from experience? Because I must be a lucky one then who managed to do multiple quotes with different insurers and it a no fault claim to make no difference.
What are the chances.
Same happened to me, non fault.....my premiums have been affected ever since! I'm into the 5th year now and it wont need to be declared after!
-
In their risk modelling it doesn't matter whether you caused the accident, they still load (to some degree) your premium for non-fault accidents because something about your behaviour is risky - eg you park in sh!tty Asdsa car parks or choose on street parking spots etc etc.
500 quid for a repair might sound bad, but quite probably over 5 years you will pay this and more for letting them know.
Of course, it is your legal responsibility under the terms of your insurance to inform them of any incident. So please don't imagine I am advising you to not follow these contractual terms ;-)
-
Not told them! Just had a smart repair quote at £125.00 from a guy I've used before on a less valuable car a few years ago. To be fair, he did a very good job then. I'm sure Peter Coopers' VW body shop will want a bit more than that when I pop in later though!
-
Did those who say they are effected with the a price increase because of the claim base that on the fact the current insurer with the claim increased the renewal?
My insurer increased the premium (as they always do) but when then shopping around I tried using all of the compare sites quotes with and without the non fault claim and no insurer within the top 10 (or more) cheapest changed their price, same for the subsequent renewal.
I'd be interested to know why it didn't effect me but it has for some others apparently. If true there must be other factors, i.e. You have other negative factors.
I'm certainly not in a low risk area as I live in West Yorkshire.
-
New business premium rates could well be different to renewals...
Is anyone really not flipping their insurer every year? You are getting hosed probably if you aren't.
-
Did those who say they are effected with the a price increase because of the claim base that on the fact the current insurer with the claim increased the renewal?
My insurer increased the premium (as they always do) but when then shopping around I tried using all of the compare sites quotes with and without the non fault claim and no insurer within the top 10 (or more) cheapest changed their price, same for the subsequent renewal.
I'd be interested to know why it didn't effect me but it has for some others apparently. If true there must be other factors, i.e. You have other negative factors.
I'm certainly not in a low risk area as I live in West Yorkshire.
Insurers use multiple risk factors in their premium calculations. If you've made a non fault claim under your policy but you successfully recover your excess from the at-fault party, then you shouldn't be penalised by your insurer for the claim.
Your premium may still increase in subsequent years, but the increase will probably be due to other factors and not the fact that you've made a claim that wasn't your fault.
-
New business premium rates could well be different to renewals...
Is anyone really not flipping their insurer every year? You are getting hosed probably if you aren't.
The difference between NB and renewal isn't the query it's why are people allegedly being penalised for having a non-fault claim when they shouldn't.
However you're right as to people not switching or at least exploring it, far too many don't (generally older folk) and that's why insurers increase premiums more than inflationary costs etc.
-
New business premium rates could well be different to renewals...
The difference between NB and renewal isn't the query it's why are people allegedly being penalised for having a non-fault claim when they shouldn't.
No, even that could be new business vs renewal. Perfectly possible for the risk model to alter in order to win new business...