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 Posted: Sun Oct 03, 2010 1:33 pm |
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Joined: Feb 11, 2010
Posts: 406
Trade Rating: +1
Location: Peterborough
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| Ali_H wrote: |
| Golfguy206 wrote: |
STOP! Go through your insurance!!
You WON'T have to pay your xs, the car gets repaired properly, and it does not go against you!! You have nothing to fear and everything to gain.
Some insurance companies can refuse to reinsure you if you do the work yourself of the may ask for a vehicle safety check (SVA test, which you will have to pay if doing it yourself).
Take it from me (an insurance underwriter) a non fault claim (so long as the. Ost of the claim can be recovered from The third party) will NOT go against you. Ask for it in writing anyway that they are not going to increase you premium at renewal. |
If it doesn't go against you why do they ask if you've had ANY accidents in 5 years regardless of fault  |
Normally for two reasons : first so they can confirm ANY accidents recorded against the motor insurance database, and secondly because there are some dodgy tw@ts out their that lie about accidents and put everyone else premiums up. Not saying that you have ever lied about insurance or anything.
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Posted: Sun Oct 03, 2010 2:15 pm |
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Joined: Feb 07, 2010
Posts: 2874
Trade Rating: +4
Location: Chichester, Sussex
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Ah right, cool beans.
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Posted: Sun Oct 03, 2010 2:16 pm |
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Joined: Feb 08, 2010
Posts: 3262
Trade Rating: +18
Location: Plymouth
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depending on how much the damage is, whether you can do it yourself mate then don't go through the insurance company, i had a similar accident in my 206 but has to go through the insurers because its too expensive to fix it myself but be careful because they may try shafting you by saying the car isn't worth getting repaired, they did that with my gti and i decided to fight them over it but they are avoiding it all so be careful
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Posted: Sun Oct 03, 2010 3:41 pm |
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Joined: Feb 08, 2010
Posts: 3617
Trade Rating: +9
Location: Under your bed
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I, personally, would feel like a con going through insurance for a cheap metal wing.... it's not like they're the holy grail to find. And trust me, it will save you a LOT less hassle.
I only went through insurance on my VX because it was nearly £3k's worth of damage.
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Posted: Mon Oct 04, 2010 1:46 am |
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Joined: Feb 07, 2010
Posts: 3666
Trade Rating: +59
Location: Scotland
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Take it to a bodyshop and get a full scope of the damage and a quote for repair. Take it to the old boy that hit you and if he's happy to pay it then let him. If not, go through your insurance. Simples...
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| '98 Nile Blue 306 GTi 6
'04 Obsidian Black 206 GTi 138 | |
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Posted: Mon Oct 04, 2010 2:09 am |
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Joined: Jul 01, 2010
Posts: 162
Trade Rating: +1
Location: Wrexham, North Wales
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Ive looked over it. Its broke the headlight brackets and the wing brackets are just a bit bent. I can straighten them out and reinforce them in work (engineering company) As for the wing. They are only cheap and would cost no more than £200 to get one sprayed etc, i can fit it myself so i dont really want to go through insurance.
I've spoke to the old man and asked him what to do, at the end of the day. It was his fault, there is CCTV evidence and he has taken fully responsibility. Ive had a quote from peugeot and its about £650 worth of damage so i told him it can either be that through the insurance or £300 if i do it myself.
Fair i think.......
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Posted: Mon Oct 04, 2010 12:01 pm |
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Joined: Jul 01, 2010
Posts: 162
Trade Rating: +1
Location: Wrexham, North Wales
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Here is another pic of it. Bit better in the sunshinee
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Posted: Mon Oct 04, 2010 2:01 pm |
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Joined: Feb 07, 2010
Posts: 1786
Trade Rating: +4
Location: Carmarthen - WALES
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your bonnet looks out off shape and your guna need the front plastics with the badge bit, well looks like it in this pic
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Posted: Mon Oct 04, 2010 2:02 pm |
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Joined: Feb 10, 2010
Posts: 348
Trade Rating: 0
Location: Essex
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The Panels are so cheap, like £20 and up on ebay. Surely it would be like £100ish to get it sprayed?
Could email this guy
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Posted: Mon Oct 04, 2010 2:03 pm |
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Joined: Feb 07, 2010
Posts: 1786
Trade Rating: +4
Location: Carmarthen - WALES
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also how dou you know the structual integreaty in that pillar hasnt changed cause off the crash
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Posted: Mon Oct 04, 2010 2:16 pm |
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Joined: Feb 09, 2010
Posts: 2207
Trade Rating: +10
Location: exhall, bedworth, coventry
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bonnet is not out of shape if you look at the line along the headlight it's all still lined up correctly.
the structural integrety of the 'a' pillar will be fine as the wing doesnt attach to it.
i can sort you out with a wing, spray it whatever colour you want and fit it for you if you came to me for £100.
easy job to do really, dont worry, no need to get insurance involved.
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Posted: Mon Oct 04, 2010 4:57 pm |
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Joined: Jun 29, 2010
Posts: 244
Trade Rating: +2
Location: East Sussex
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I would charge the old boy the cost of repair and get it done your self. At the end of the day its his insurance you are saving totry and give your selfs and him less official hassle.
If you charged him £650 his insurance won't go up and he keeps his no claims.
Charge him less and it requires more work your out of pocket and your insurance company will tell you to **** off.
Your doing all the leg work and he's sitting hoping you get the cheapest price to save him the extra premiums for the next few years which will be way more than £650.
At least charge more if your going to be doing the work yourself.
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| 206 3dr 1.4 GLX modified slightly, Lowered 35mm on full Gmax kit, 17" AEZ xylo alloys 205/45/17, 3.5" Savage back box, | |
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Posted: Mon Oct 04, 2010 5:00 pm |
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Joined: Jul 01, 2010
Posts: 162
Trade Rating: +1
Location: Wrexham, North Wales
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| Quote:: |
I would charge the old boy the cost of repair and get it done your self. At the end of the day its his insurance you are saving totry and give your selfs and him less official hassle.
If you charged him £650 his insurance won't go up and he keeps his no claims.
Charge him less and it requires more work your out of pocket and your insurance company will tell you to **** off.
Your doing all the leg work and he's sitting hoping you get the cheapest price to save him the extra premiums for the next few years which will be way more than £650.
At least charge more if your going to be doing the work yourself. |
This is exactly what i want to do. Instead im waiting for this old sod to make his mind up on what to do !
No bonnet isnt out of shape, just the car is dirty as i cant be arsed cleaning it when it looks like that haha !
Hope to get it sorted this week!
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Posted: Mon Oct 04, 2010 5:14 pm |
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Joined: Jun 29, 2010
Posts: 244
Trade Rating: +2
Location: East Sussex
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I wouldn't hold your breath on this bloke getting back to you quickly he's probably looking for prices too.
What i did in a similar situation (it was penny's, and my dads insurance) was tell them how much you want showing a garage quote (don't offer a discount as your then loosing out on someone damaging your car and the leg work.
Advise it's this of going through his insurance company and his no claims being affected/premiums and you want to know an answer within a week or you will be contacting the insurance company to claim against him.
This way you have give a deadline and explained exactly what you want out of this, if he's at fault he only has the 2 options and will decide by choice of by default when times up.
Good luck
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| 206 3dr 1.4 GLX modified slightly, Lowered 35mm on full Gmax kit, 17" AEZ xylo alloys 205/45/17, 3.5" Savage back box, | |
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Posted: Mon Oct 04, 2010 5:17 pm |
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Joined: Jul 01, 2010
Posts: 162
Trade Rating: +1
Location: Wrexham, North Wales
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Yeah, i have cctv evidence of this anyway so i can not loose if you get me?
I will speak to him tomorrow and i will let you all know how it goes !
Thanks very much for the advice !
Rhys
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