lampro Posted January 28, 2021 Report Share Posted January 28, 2021 Bloody brilliant just came out to my car and some one or thing has bumped it and cracked the front bumper and head light and never had the guts to knock my door or leave a note to say sorry hear are my insurance details, advise please car is on a pcp and will my insurance pay out for the damage absolutely gutted Quote Link to comment Share on other sites More sharing options...
zipdog Posted January 28, 2021 Report Share Posted January 28, 2021 Depending on your excess and no claims bonus it might just be worth having a word with a local repair shop and fixing it that way. Alternatively, depending on the make of the car you might be able to pick up a newish bumper online and fit it yourself if you’re handy with spanners. Quote Link to comment Share on other sites More sharing options...
bottletopbill Posted January 28, 2021 Report Share Posted January 28, 2021 look for security cameras around Quote Link to comment Share on other sites More sharing options...
lampro Posted January 28, 2021 Author Report Share Posted January 28, 2021 No security cameras I'm afraid wish there was Quote Link to comment Share on other sites More sharing options...
ninjaferret Posted January 28, 2021 Report Share Posted January 28, 2021 Surely you'd just pick up the phone and ask the insurance company ? Quote Link to comment Share on other sites More sharing options...
bruno22rf Posted January 28, 2021 Report Share Posted January 28, 2021 49 minutes ago, ninjaferret said: Surely you'd just pick up the phone and ask the insurance company ? Not straight away - cos if you're not covered they will still record it as an accident - scumbags. Quote Link to comment Share on other sites More sharing options...
mossy835 Posted January 28, 2021 Report Share Posted January 28, 2021 yes they have you all ways. Quote Link to comment Share on other sites More sharing options...
lampro Posted January 28, 2021 Author Report Share Posted January 28, 2021 1 hour ago, ninjaferret said: Surely you'd just pick up the phone and ask the insurance company ? Going to.look through my policy to see what's what thanks for the positive assertive comment Quote Link to comment Share on other sites More sharing options...
strimmer_13 Posted January 28, 2021 Report Share Posted January 28, 2021 36 minutes ago, bruno22rf said: Not straight away - cos if you're not covered they will still record it as an accident - scumbags. 100% don't tell them nothing, even if it's not a claim it will go down on record Quote Link to comment Share on other sites More sharing options...
ninjaferret Posted January 28, 2021 Report Share Posted January 28, 2021 19 minutes ago, lampro said: Going to.look through my policy to see what's what thanks for the positive assertive comment Well sorry if you didn't like it, but that's what i'd do. Get straight to it , if you're covered great, if not get on with repairing it. Quote Link to comment Share on other sites More sharing options...
blackbird Posted January 28, 2021 Report Share Posted January 28, 2021 (edited) Get a price first as you would not believe the work the likes of dent master etc can do, because with paying your excess & the insurance company will load for the next 5yrs it might work out cheaper. Edited January 28, 2021 by blackbird Quote Link to comment Share on other sites More sharing options...
Rupert Posted January 28, 2021 Report Share Posted January 28, 2021 Yes insurance will cover it, you should be fully comp as per terms of PCP, even ringing them to enquire will result in an uplift of premiums for the next 3/5 years regardless of whether you claim You could fix from your own pocket say nothing and not suffer any uplift in insurance. Risk is getting discovered later at handback of car. Now if you drive a modest car and have no sports car ambitions the uplift will be of little concern Quote Link to comment Share on other sites More sharing options...
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