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Car Insurance Dilemma (Read 1802 times)

dontfollowme

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Car Insurance Dilemma
April 21, 2008, 05:39:00 pm
On Thursday evening I had my car stolen. This was recovered in the early hours of Saturday morning whilst being driven and recovered to a local garage. Whilst the car was in the thieves possession they tinted the windows.

Now I am in a position of whether to claim on my car insurance or not. If I do I pay a £200 excess, lose 2 years NCD and see my premium increase by £250 on the basis I have the car repaired. The other option is not to claim but to pay to get the locks sorted which is around £200 + the cost of the storage at this garage and then part ex it for something else.

The benefit of this is I keep my NCD which will be 3 in July and don't have a theft claim against me...

Paul B

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#1 Re: Car Insurance Dilemma
April 21, 2008, 05:48:06 pm
can I ask how old you are and if you have any prior claims?

cowboyhat

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#2 Re: Car Insurance Dilemma
April 21, 2008, 06:19:23 pm
If you can avoid it, don't claim.

dontfollowme

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#3 Re: Car Insurance Dilemma
April 21, 2008, 06:22:24 pm
can I ask how old you are and if you have any prior claims?

26, 27 in May. No prior claims except a glass claim which I understand doesn't affect NCD.

sjw

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#4 Re: Car Insurance Dilemma
April 21, 2008, 06:27:08 pm
I'm voting don't claim.

Drew

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#5 Re: Car Insurance Dilemma
April 21, 2008, 06:50:35 pm
If I do I pay a £200 excess... The other option is not to claim but to pay to get the locks sorted which is around £200 + the cost of the storage at this garage and then part ex it for something else.

So it's gonna cost you 200 notes anyway? No point in claiming that I can see.

dontfollowme

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#6 Re: Car Insurance Dilemma
April 21, 2008, 06:58:54 pm
I might leave the locks as they are, find the spare key and then part ex it as it is. Annoyingly, I had around £500 of stuff in the car at the time which I can only claim up to £100 for.

Definitely erring on the side of not claiming at the moment.

Jim

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#7 Re: Car Insurance Dilemma
April 21, 2008, 09:14:59 pm
Seriously, don't claim if you can help it. Glass claims doesn't effect your NCB.

I lost 4 years NCB a while ago and am still regretting it now, went a long way out of my way to avoid it but the other guy was a cunt and put a claim for whiplash in even tho I hit him at less than 10mph and did zero damage to his car. Worked for the AA as well - arsehole association IMHO

Paul B

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#8 Re: Car Insurance Dilemma
April 21, 2008, 11:13:32 pm
don't claim I reckon.

GCW

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#9 Re: Car Insurance Dilemma
April 21, 2008, 11:14:49 pm
Yeah, I'd go with not claiming too.

 

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