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Car insurance problem, last week I crashed my car into the back of a young man in an old Y reg ford escort no damage to his car just a loose exhaust so I gave him money to get fixed. But my car 2014 Captiva LTZ, the bonnet has gone so will have to buy a new one. if i go through insurance to get my bonnet done will it affect my annual insurance cost? at the moment it is 800 how much do you think it will go up by. by the way i am only 25 this is my first accident under this insurance policy. btw I searched in this forum about car insurance and couldnt find anything but this post
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Janetta said:
if I go through insurance to get my bonnet done will it affect my annual insurance cost?
Reply ...... you bet it will !

at the moment it is 800 how much do you think it will go up by.
Reply ...... by however much they can get away with !

I searched in this forum about car insurance and couldnt find anything but this post.
Reply...... simple reason because there are are too many variables. That's why there is a policy document applicable to your cover.

You need to read your policy details in respect of NCD (no claims discount) if you've built up any, and what effect this might have in knocking that back if you claim. You will also have an Excess to pay anyway if you claim. (probably several £hundred).

I'm tempted to say that if you can afford to pay and have it done without involving the insurance company at your age I would do that. Other wise this will 'haunt' your insurance records for years to come (remember that insurance companies share info now) and could prove costly on future premiums.

<div style="color: rgb77, 87, 99; font-family: verdana, arial, helvetica, sans-serif; font-size: 14px; line-height: 1.42857em;">I'm still trying to work out how he only had a damaged exhaust which is just about lowest part of vehicle, and you have a damaged bonnet which is about 3 feet higher?!
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<div style="color: rgb77, 87, 99; font-family: verdana, arial, helvetica, sans-serif; font-size: 14px; line-height: 1.42857em;">Did you exchange insurance details; did he stop suddenly and is there a possibility this is a 'crash for cash' event?

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<div style="color: rgb77, 87, 99; font-family: verdana, arial, helvetica, sans-serif; font-size: 14px; line-height: 1.42857em;">Ed
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Ed....do they have those in Miami??
 

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MDB, Looks like I was the pigeon today ! Miami of all places asking about insurance on a UK website?Oh well I fell for that one. Never the less I'm still trying to work out how the bonnet got damaged by an exhaust? Stock car derby maybe!

Ed
 

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Discussion Starter #6
For any technical advice, whether you are insured with us or not, we are always happy to help. Nigel in our office is fantastic at claims though, and is ready to provide any assistance if he can.
 
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