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Thanks
For the amount you'll pocket and then potentially lose when shopping for insurance, I'm not sure I could be arsed.
Yeah, after checking the excess and running some numbers...it's probably not worth the hassle either now and when it comes to shift it. So I think I'll keep a clean history instead.
So I think I’ll keep a clean history instead.
But you'll have to report the accident to your insurers if the other person is claiming so will affect your history.
You can still ring them to inform and not make a claim. If you don't, might make for some difficult questions next renewal if you have to tell them what the Mini hit.
But you’ll have to report the accident to your insurers if the other person is claiming so will affect your history.
He knows it will affect his history re his future premiums - he just doesn't want his car classed as Cat N for minor damage as it would basically make it worthless.
My van was reared ended.last year - not my fault. Insurers valued it at £3250. It was written off as cat N for bumper and dent in rear door. Scrap value was stated as £200. I.bought it back for the scrap value. I now have the van (that I repaired .myself) plus £3k. I was informed that Cat N is worth 10% less. Luckily for me, I have protected no claims and have been told the my premiums won't be affected.
"– he just doesn’t want his car classed as Cat N for minor damage as it would basically make it worthless."
Doesn't matter what it is worth after a claim because he will have the current value minus buy back cost in the bank.
Claim or not future premiums will be affected by an accident to declare.
Meanwhile he has a disposable car which owes nothing. Every future year of use a bonus.
Yes, I know I need to tell the insurers and yes I know it'll hit my premiums.
The question was around cost/worthwhile of claiming for my own car as well but given the £250 excess, possible payout of £2k-£2.5k and then a buy back cost of £unknown...feels like hassle and a marker on the car for possibly only £1k in the pocket.
It depends on whether you are planning on selling the car at any point or running it into the ground. If the latter, the cat N.makes no difference.
Someone bumped our car on New Years Day - minor damage to the bumper, a call with their insurance company & they wanted to write it off immediately with out even seeing a picture.
6 months ago, someone else reversed into us while parked outside our house, damaged the same bumper & wing & their insurance were happy to pay for the repairs.
The car is an 04 Celica & we really didn't want it written off as it would potentially complicate things next time we need to insure it.
The moral of the above story is direct line are great, the AA are ****s.
You’ll be paying the excess whether you add your car to the claim or not.
You’ll be paying the excess whether you add your car to the claim or not.
this. You’ll be making a claim for the damage to the car you hit to be repaired, so you have nothing to lose telling them about your damage anyway, the total claim will be a touch more but that’ll be irrelevant at renewal.
Tell them, they offer 2.5k, buy back for 1K and your 1.5k better off.
They offer 2.5k, buy back for 1K and your 1.5k better off.
are you guaranteed to be able to buy it back?
otherwise, could you end up needing to find a replacement used car for 2.5k of unknown history that ends up needing a bunch of work?
I had similar some years ago, a creased boot after being rear-ended on the M40 at a low relative speed difference. The car was written off, bought back and I continued to use it, insured on the same policy. The difficult bits were:
The insurance company wanted an 'engineer's report' to say it was safe to be on the road. I offered to get it MOT'd, but they wouldn't accept that and were unhelpful as to what they would accept. In the end, I wrote the report and got a local MOT guy to sign it for £10 cash (this was his suggestion after seeing the damage).
I moved house some months later, sent the V5 off for the address change, and got a letter back saying that this was a typical 'clone' type scam. I needed to take the car to be inspected to verify its ID. The nearest location to do this was a two-hour drive away and only open two days a week. I ran the car for several months without arranging this check then it failed an MOT and I decided that was enough and scrapped it.
You’ll be paying the excess whether you add your car to the claim or not.
No I won't. If I don't claim, I don't pay the excess.
Have spoken to them and they've asked for no money. Just said if I decide to claim for mine then I'd owe it.
pay the excess if the mini owner claims against you
No. That's what your insurance is actually for. Covers your legal liability to third parties for causing damage to their property, injury or death. Excesses are your contribution to your claim, not claims against you. Normally, anyway.
you can sometimes take cash in leiu of repair - so they pay out the approx same amount that they would in a writeoff but the car isn't written off. I had it on a £2500 porsche with a £3000 repair bill, they just gave me £2000, and no write-off, which I was happy with