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Chay84
05-10-12, 06:27 PM
I hit my car into the side of someones new polo 58 plate dent in there door and wing and scuffed , will I lose all my no claims next year or just some I have 5 yr no claims
Benn
05-10-12, 06:31 PM
If your lucky 50-70% loss, if unlucky 100%
Chay84
05-10-12, 06:32 PM
I was gonna protect them but was an extra 100 bugger :(
Benn
05-10-12, 06:37 PM
Do a cash deal with the Polo owner?
Chay84
05-10-12, 06:59 PM
It's a wing and door plus paint I'm thinking it would be pricey
Edd
05-10-12, 07:03 PM
Your Nova fcuked then?
novadave24
05-10-12, 07:22 PM
any pics ? do the cash deal will be better mate
brainsnova
05-10-12, 07:36 PM
Minimum (that's my small mum) lost 2 years NCB off her 5 years
craig green
05-10-12, 07:41 PM
Bend over!
Benn
05-10-12, 10:17 PM
Wing and door? Not what i class a small bump.
7ova
05-10-12, 10:30 PM
Not had much luck with this nova have you
Any photo's of the nova
Will F
05-10-12, 11:16 PM
Oops. If you can get away with it and afford it, try for a cash deal.Otherwise nova will be scrap, you premium will go thru the roof and you'll be driving a corsa c 3 cylinder for at least three years.
Chay84
06-10-12, 12:44 AM
The Novas in my garage had the bump in my vectra c, sun was shining down and I didn't see the polo, big oops only just hit it but small dent in door and wing and scuffed, nothing wrong with my vectra,
Chay84
08-10-12, 10:46 PM
Oops. If you can get away with it and afford it, try for a cash deal.Otherwise nova will be scrap, you premium will go thru the roof and you'll be driving a corsa c 3 cylinder for at least three years.

What's the most I should pay before I think about going thru insurance

Prep and paint for the wee polo is £300
But steering is playing up as it hit the wheel also and that's £325 at a minimum and that's just for the strut could be wishbone or strut top or steering rack
L14MNP
08-10-12, 10:48 PM
Bet that Polo was mint.
L14MNP
08-10-12, 10:55 PM
Sorry, that fresh remark was unrequired. Hope you haven't put a hole in it, mate.
Chay84
09-10-12, 01:09 PM
Funny but not as funny as this

A man walks into a bar. He then meets some friends and has a rather enjoyable night.

Anyway more to the point got call from garage and new strut has been fitted and steering is still not right he says 800 will do it, I think he is getting his parts from the mint (not the polo with hole mint) cause at 110 for a wheel bearing it must be gold plated
L14MNP
09-10-12, 01:13 PM
Typical prices for a newer car I'm afraid mate.
brainsnova
09-10-12, 01:16 PM
That's dealer prices and vw have never been shy with prices
Chay84
09-10-12, 01:23 PM
Wasn't vw it was a repair shop i vw and there cheaper, I'm not paying 800 for him to say its the steering rack, they can just claim off my insurance, will I have to add a accident to my motorbike policies?
L14MNP
09-10-12, 01:30 PM
You will. As stated earlier by others, you will get bummed for this.

£800 on quite serious repairs to a relatively new car seems reasonable. What price do you consider fair? Sounds like you have made a right mess of it tbh.
Chay84
09-10-12, 01:45 PM
Garage already quoted 325 for doing strut which is way over the top now he has fitted it he said its not that, plus I gotta pay for someone to paint it

I only bumped it,small scuff on door and wing and now she has a Wobble at 60mph the £800 is to supply and fit a strut, strut top, control arm, hub and wheel bearing, I priced it at vw and it's £420 for parts and I priced it at local motor factors and it's £290 for parts so he is charging 400 for labour,I could fit that in 2hrs so it's 200per hour these days?? plus she got a price for painting elsewhere for £250

I wanted to pay cash but garage will proberly say its not that once I pay the £ 800

Then say its a shaft or steering rack the garage has a licence to take the piss IMO
L14MNP
09-10-12, 02:06 PM
Take it through the insurance then. I probably would was it my Polo anyway.

I'm all for being fair, but if the car is not right somewhere afterwards then the innocent party always loses out. Did you say you hit the wheel too?
brainsnova
09-10-12, 02:29 PM
Could just the wheel be buckled slightly or maybe just needed balanced
Chay84
09-10-12, 02:33 PM
Yeah I hit the wheel :/

Yeah totally my fault and the lady I hit is a very nice lady that wanted it to be fixed as cheap as possible so it didn't cost me too much,

wheel has been checked and seems ok the mechanic that is fixing it is clueless
Stuart
09-10-12, 02:37 PM
What is your excess?
What is 5 years no claims worth to you
What is 3-5 years of declaring the incident to you?

imho £800 is 'cheap' for the long term saving.
Chay84
09-10-12, 02:50 PM
What is your excess?
What is 5 years no claims worth to you
What is 3-5 years of declaring the incident to you?

imho £800 is 'cheap' for the long term saving.


Plus paint on top

Then for guy to say its still not fixed, true tho cause I have 2 car and 2 motorbike that I insure but I checked and my car insurance for vectra is going to go up by 100