Ollieollie Posted August 17, 2017 Report Share Posted August 17, 2017 So, around three weeks ago whilst on holiday i scraped a parked bmw in a pub carpark, there was no one around so i left my details took pictures and carried on with my holiday. The owner called and details were exchanged, it turns out he works for bmw and it was a company car. During our discussion he said that the damage would be a simple job and he would have it done in house for a fixed employee fee of £300.00. Fine i thought as my excess will be a similar figure. The damage was minimal, not a lot at all! purely paintwork. So today i received a quote from the bodyshop department at sytner bmw to the tune of £1200.40p So does anyone have any advice? i will be contacting my insurance company shortly to begin proceedings. I have pictures but unsure of how to upload now, can email them if someone would be so kind as to put them up for me Cheers All Could also upload the quote Quote Link to comment Share on other sites More sharing options...
bruno22rf Posted August 17, 2017 Report Share Posted August 17, 2017 Have you already informed your insurer? I think that you have a limited time after the incident after which your insurer will not accept the claim. Quote Link to comment Share on other sites More sharing options...
Ollieollie Posted August 17, 2017 Author Report Share Posted August 17, 2017 no bruno Quote Link to comment Share on other sites More sharing options...
bruno22rf Posted August 17, 2017 Report Share Posted August 17, 2017 You will need to check your policy details as you might not be covered at all....3 weeks is quite a long time unless you were injured or have a good reason for not reporting the incident - good luck. Quote Link to comment Share on other sites More sharing options...
wascal Posted August 17, 2017 Report Share Posted August 17, 2017 (edited) Have you already informed your insurer? I think that you have a limited time after the incident after which your insurer will not accept the claim. iirc the legal time limit is six years from the date of the accident for damage claims and three years for injury claims Edited August 17, 2017 by wascal Quote Link to comment Share on other sites More sharing options...
bumpy22 Posted August 17, 2017 Report Share Posted August 17, 2017 ollie pm me or ring you i work in a bodyshop. can quote you on images or find out about any problems mate. if that does not help i will give you a ferret Quote Link to comment Share on other sites More sharing options...
Ollieollie Posted August 17, 2017 Author Report Share Posted August 17, 2017 Problem solved now cheers all and cheers Ed Quote Link to comment Share on other sites More sharing options...
mel b3 Posted August 17, 2017 Report Share Posted August 17, 2017 ollie pm me or ring you i work in a bodyshop. can quote you on images or find out about any problems mate. if that does not help i will give you a ferret One of my favourite ever pw posts ☺ Quote Link to comment Share on other sites More sharing options...
Ollieollie Posted August 17, 2017 Author Report Share Posted August 17, 2017 One of my favourite ever pw posts ☺ Hes a top lad, but his ferrets are far too tame Quote Link to comment Share on other sites More sharing options...
norfolk dumpling Posted August 18, 2017 Report Share Posted August 18, 2017 Whilst legally there are time limits you are obliged to notify your insurer of any accident or conviction before renewal. Otherwise this would be a serious non-disclosure. They will take this into account in your next years renewal. Also delays in notifying them could prejudice their position if - say if claim turned out to be very expensive - they are called on to settle on your behalf. I realise the reality is that many small incidents are settled 'privately' this can backfire. Quote Link to comment Share on other sites More sharing options...
Davyo Posted August 18, 2017 Report Share Posted August 18, 2017 Whilst legally there are time limits you are obliged to notify your insurer of any accident or conviction before renewal. Otherwise this would be a serious non-disclosure. They will take this into account in your next years renewal. Also delays in notifying them could prejudice their position if - say if claim turned out to be very expensive - they are called on to settle on your behalf. I realise the reality is that many small incidents are settled 'privately' this can backfire.Just to back this post up,it does backfire.Even is settled cash between individuals.I had some idiot comming in the opposite direction take a right hand junction pulling across my path.Fortunatly I was only doing about 28mph in my old shooting bus (grand vitara).Cracked bumper and a broken headlight.Guy wanted to settle cash,ok providing is see your insurance. Top and bottom is he offered cash,but he also notified his insurance.They called me to ask if I wanted them to settle (he told them he clearly at fault).Also that they where aware that their insured had offered cash.I said cash as it's only an old car I use for the farm.Thought that was the end of it until renewals time when I didn't bother mentioning it.Three days later email from new insurance company to call them.On my file as reported accident and cost me an additional £36. I would never again settle this way as if I'd had a further accident and wrote my good car off,insurance may well of said "tuff" Quote Link to comment Share on other sites More sharing options...
Ollieollie Posted August 18, 2017 Author Report Share Posted August 18, 2017 I thought as it was a minor paint job not involving the insurance would be the best route, **** law he works for bmw and its a company car. The end result is aviva have sorted it for me, as i'm not claiming for my vehicle as the damage is almost invisible i don't have to pay anything, they will deal with the other party. My only negative is on renewal i will be stung for making a claim, i have protected no claims but the 'have you made a claim in the last 5 years' question kind of renders that useless i presume?? can anyone clarify this situation for me Cheers Quote Link to comment Share on other sites More sharing options...
sportsbob Posted August 18, 2017 Report Share Posted August 18, 2017 (edited) You can usually have two claims in any three year period and still keep your NCD protected, however you insurance has a base fee for he vehicle then all the loads are applied for age, where you live and claims etc then the discounts are applied for years free claims, experience etc so the end result is because you have made a claim regardless of fault you insurance will rise because of the loading applied. Edited August 18, 2017 by sportsbob Quote Link to comment Share on other sites More sharing options...
norfolk dumpling Posted August 19, 2017 Report Share Posted August 19, 2017 I'm afraid protected NCD is all smoke and mirrors these days. If your insurer wants another 10% out of you they will simply increase base rate by this amount but your renewal notice will show 60% Protected but with one life lost. Quote Link to comment Share on other sites More sharing options...
Jason_ox Posted August 19, 2017 Report Share Posted August 19, 2017 Usual is a 10% increase if protected or a no fault claim. Quote Link to comment Share on other sites More sharing options...
Ollieollie Posted August 19, 2017 Author Report Share Posted August 19, 2017 They get it one way or the other Quote Link to comment Share on other sites More sharing options...
Davyo Posted August 19, 2017 Report Share Posted August 19, 2017 If the driver who hits you doesn't screw you,your insurance will. Quote Link to comment Share on other sites More sharing options...
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