Manly car insurance chat

[kent_white]

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! 👍

[Spider]

Just say it happened in a car park with no cctv

[kent_white]

10 minutes ago, Spider said:

Just say it happened in a car park with no cctv

That's what I was thinking - but the damage is on both sides which doesn't help! 

Edited June 8, 2023 by kent_white

[Winchester White]

13 minutes ago, kent_white said:

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! 👍

Were you pissed?

[Spider]

1 minute ago, kent_white said:

That's what I was thinking - but the damage is on both sides which doesn't help! 

“Yes, over priced insurance wanker, it’s a complete mystery. Pay up”

[Traf]

Getting it fixed wil surely be cheaper than the insurance sting in the long run.

[kent_white]

2 minutes ago, Winchester White said:

Were you pissed?

No - skidded on some gravel and then got traction back and fucked it up. My garage is on a weird angle anyway and the neighbours park right next to it as well so it's a pain in the arse to park at the best of times. I'd be better leaving it on the street! 

[kent_white]

3 minutes ago, Traf said:

Getting it fixed wil surely be cheaper than the insurance sting in the long run.

I'm not so sure - I think I'll be looking at a couple of grand for repairs.

[Cheese]

13 minutes ago, kent_white said:

I'm not so sure - I think I'll be looking at a couple of grand for repairs.

Couple of grand for some cosmetics and a wing mirror? Fuck me. Shop around man. If that's a genuine quote, it's probably worth driving up Norf to get it done.

[Not in Crawley]

Don't know about price parts but when I parked on the street there was a spate of pissed folk kicking off wing mirrors when I lived in crawley. Anyway, got a stupid quote but then bought one on ebay and it was a piece of piss to fix - even electric - they are basically a plug.

As for the otherside. Newpaper and paint?

[kent_white]

8 minutes ago, Cheese said:

Couple of grand for some cosmetics and a wing mirror? Fuck me. Shop around man. If that's a genuine quote, it's probably worth driving up Norf to get it done.

Just looking at an insurance renewal quote based on 0 years NCD and it's only a tenner more than I'm paying now. 

[Winchester White]

23 minutes ago, kent_white said:

No - skidded on some gravel and then got traction back and fucked it up. My garage is on a weird angle anyway and the neighbours park right next to it as well so it's a pain in the arse to park at the best of times. I'd be better leaving it on the street! 

Bad day or are your driving/parking skills akin to Mr Bean? 😁

Anyway, I assume your front panel is plastic rather than metal hence the cracks rather than dent?

[kent_white]

14 minutes ago, Winchester White said:

Bad day or are your driving/parking skills akin to Mr Bean? 😁

Anyway, I assume your front panel is plastic rather than metal hence the cracks rather than dent?

Bit of both! 🤣

[kent_white]

25 minutes ago, Not in Crawley said:

Don't know about price parts but when I parked on the street there was a spate of pissed folk kicking off wing mirrors when I lived in crawley. Anyway, got a stupid quote but then bought one on ebay and it was a piece of piss to fix - even electric - they are basically a plug.

As for the otherside. Newpaper and paint?

It's on PCP so it needs to be pristine when it goes back. Otherwise I'd have gone for your option! 🤣

[DazBob]

3 minutes ago, kent_white said:

Bit of both! 🤣

Bit of T-Cut.  Be reet.

[Winchester White]

You've fucked it if on pcp, needs to be fixed properly. Insurance isn't always great either if they use a crap workshop but they will likely have to use genuine parts so should be fine.

[Zulu]

I’ve just studied the photo and, frankly, I’m surprised that rubbing it with a balloon didn’t sort it. 🥴

[Sweep]

5 minutes ago, Zulu said:

I’ve just studied the photo and, frankly, I’m surprised that rubbing it with a balloon didn’t sort it. 🥴

I suspect he's not been rubbing hard enough

[mickbrown]

1 hour ago, kent_white said:

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! 👍

Nowt manly about that driving performance😉

[Traf]

44 minutes ago, DazBob said:

Bit of T-Cut.  Be reet.

My exact thoughts

[Spider]

If it’s PCP you’ll need a proper repair doing, and keep the paperwork.

Missus gave a lease car back recently and they tried to charge £300 for a stone dent on the bonnet. I’m not exaggerating when I say the guy had to show it to us using a magnifying glass.

I told him to take it off his report unless he wanted to report a bigger dent that was the exact same shape as his face.

They’re cunts.

Edited June 8, 2023 by Spider

[Winchester White]

34 minutes ago, Spider said:

If it’s PCP you’ll need a proper repair doing, and keep the paperwork.

Missus gave a lease car back recently and they tried to charge £300 for a stone dent on the bonnet. I’m not exaggerating when I say the guy had to show it to us using a magnifying glass.

I told him to take it off his report unless he wanted to report a bigger dent that was the exact same shape as his face.

They’re cunts.

You are allowed a small dent per side or even panel, anyone telling you otherwise is trying their luck.

[mickbrown]

39 minutes ago, Spider said:

If it’s PCP you’ll need a proper repair doing, and keep the paperwork.

Missus gave a lease car back recently and they tried to charge £300 for a stone dent on the bonnet. I’m not exaggerating when I say the guy had to show it to us using a magnifying glass.

I told him to take it off his report unless he wanted to report a bigger dent that was the exact same shape as his face.

They’re cunts.

I handed mine back with 4 barely legal tyres and stone chips all over the front and they didn't bat an eyelid

[Ani]

1 hour ago, kent_white said:

Just looking at an insurance renewal quote based on 0 years NCD and it's only a tenner more than I'm paying now. 

Did you also enter details of your claim ? 
As well as losing NCD you are now classed as a shit driver so price will go up for that as well. 

[little whitt]

2 hours ago, kent_white said:

That's what I was thinking - but the damage is on both sides which doesn't help! 

Both sides you Clumbsy Cunt 

how many times have you parked in your Garage 

Blame the Wife 

drag her out SAY  look what you have done you daft Bitch