Wanderersways brethren - can you help?

I've just put a crack in the front driver side panel of my car. Basically misjudged the entrance to my garage and scraped a two inch hole in it. 

On reversing back out to resolve it the wing mirror drivers side has clipped the other side of the garage. 

Basically a massive fuck up on my part.

Car is an i30n performance so parts aren't cheap. 

Don't think I've any choice but to go through insurance? 

But would this class as one claim or two? And if I've got 15 years no claims and protected no claims discount - has anybody got any idea how much I'm likely to lose of that discount?

PS - I've tried rubbing it with a balloon etc........

 

Thanks in advance! 👍

Anyone in here actually in the motor insurance game? 

7 hours ago, RONNIE PHILLIPS said:

Anyone in here actually in the motor insurance game? 

Depends on the question. But in between nailing all the conspiracy theories that come true... me. 

11 minutes ago, stevieb said:

Depends on the question. But in between nailing all the conspiracy theories that come true... me. 

 I have an insurance claim hanging atm (non fault)..... My insurance company have given it to a van rental company, who would be providing a courtesy van, to handle..... Is that even legal?.... I've been pissed around for over 3 months. 

10 minutes ago, RONNIE PHILLIPS said:

 I have an insurance claim hanging atm (non fault)..... My insurance company have given it to a van rental company, who would be providing a courtesy van, to handle..... Is that even legal?.... I've been pissed around for over 3 months. 

Messaged you. 

9 minutes ago, RONNIE PHILLIPS said:

 I have an insurance claim hanging atm (non fault)..... My insurance company have given it to a van rental company, who would be providing a courtesy van, to handle..... Is that even legal?.... I've been pissed around for over 3 months. 

Are you saying the van rental

company are handling your claim ?

 

Or that they have asked them to provide you a van ?

 

The first is weird, the second is standard. 

They are actually handling the claim..... Or not as the case may be..... I'm considering taking it to the Ombudsman. 

Just renewing wife’s car insurance. I started off with £250 voluntary excess (plus the £100 compulsory) and premium was £157 for the year.

Knocked all of the voluntary excess off so sticking with just the £100 compulsory and it’s gone down to £153.

What’s the point?

That's bizarre. 

Doesn't tin foil hat man work in such a field?

15 minutes ago, Tonge moor green jacket said:

That's bizarre. 

Doesn't tin foil hat man work in such a field?

Aye. 

Pricing and actuaries are just numbers men. If it stacks up financially from the claims data they have they'll do it even if it makes no sense. 

Big one a while back is it's cheaper to put your car on the road than it is in a garage because they knew some people lied saying it was in a garage so priced it accordingly. 

Anyway... I think MickyD is just showing off that he's got insurance for under £160 😉

3 hours ago, stevieb said:

Aye. 

Pricing and actuaries are just numbers men. If it stacks up financially from the claims data they have they'll do it even if it makes no sense. 

Big one a while back is it's cheaper to put your car on the road than it is in a garage because they knew some people lied saying it was in a garage so priced it accordingly. 

Anyway... I think MickyD is just showing off that he's got insurance for under £160 😉

£105 last year by some place I’ve never heard of. 

Extra year without a claim puts it up 50%

Do I need to change my car insurance? I pay 50 quid a month, it's on a drive, 2018 Ford G Max, no claims...

3 hours ago, stevieb said:

Aye. 

Pricing and actuaries are just numbers men. If it stacks up financially from the claims data they have they'll do it even if it makes no sense. 

Big one a while back is it's cheaper to put your car on the road than it is in a garage because they knew some people lied saying it was in a garage so priced it accordingly. 

Anyway... I think MickyD is just showing off that he's got insurance for under £160 😉

I pay more than that a month

1 minute ago, Not in Crawley said:

Do I need to change my car insurance? I pay 50 quid a month, it's on a drive, 2018 Ford G Max, no claims...

If you want cheap insurance it perhaps isn’t your insurance you need to change it’s your car. Wife drives a 62 plate Fiat Punto worth about £3k.

1 minute ago, MickyD said:

If you want cheap insurance it perhaps isn’t your insurance you need to change it’s your car. Wife drives a 62 plate Fiat Punto worth about £3k.

Fair enough, but with 2 teenagers and a roof top box for holidays I need at least the engine and the space for now.

3 minutes ago, Not in Crawley said:

Fair enough, but with 2 teenagers and a roof top box for holidays I need at least the engine and the space for now.

That there London mate, theft is rife so premiums are high even for shitskips. 

4 minutes ago, Not in Crawley said:

Fair enough, but with 2 teenagers and a roof top box for holidays I need at least the engine and the space for now.

Yes, I was just being flippant but thought it important to point out her car isn’t much more than a little runaround which takes her to work and back and her dad’s house and back a few times every week.

16 minutes ago, Winchester White said:

That there London mate, theft is rife so premiums are high even for shitskips. 

Even for Arnold family car that's in a drive?

Just got a renewal quote for mine.More than doubled,robbing bastards.Rang them up and got it for roughly the same as this year.Why do they always have to try it on with the renewal quote?

17 hours ago, Big E said:

I pay more than that a month

You drive a BMW and live in Toxteth. I'm surprised you actually managed to get a quote! 🤣 

3 hours ago, 1969 said:

Just got a renewal quote for mine.More than doubled,robbing bastards.Rang them up and got it for roughly the same as this year.Why do they always have to try it on with the renewal quote?

Different under writers giving different quotes, they will just send you a renewal with your current scheme, if you ring they'll shop around. 

16 hours ago, 1969 said:

Just got a renewal quote for mine.More than doubled,robbing bastards.Rang them up and got it for roughly the same as this year.Why do they always have to try it on with the renewal quote?

It also pisses me off that they do that.

I ring them up and cancel on principle even when they offer a much lower quote, and don’t get me started on auto renewal.

They do it as loads of folk just accept it. My dad was old school and spent his life working for Natwest. When he died I sorted the insurance etc. they had been charging him £700 ish and it turned out it should have been £160/£200. So many folk must just renew. Cunts the lot of them

are ELE Cars 

The same price to Ins as a Normal one 

5 hours ago, little whitt said:

are ELE Cars 

The same price to Ins as a Normal one 

No, they're a little bit more to insure I believe

6 hours ago, Sweep said:

No, they're a little bit more to insure I believe

Yep. Certainly the case for my van. Struggled to get insurance the first year, but more doing it now.