Damaged a hire car......

[LegoHead]

And told the insurance....I can't take the risk of not telling them anything, but how much you reckon it will affect my insurance premium?

I bent the rear axle on a fiesta hire car just before my insurance renewal and the bill came to around £600. I paid a £500 excess :dapprove: so it's technically a claim isnt it?

The rental company were telling me not to bother telling my insurers, but as above cant risk it.

So what do you reckon the damage will be? Anyone else had similar circumstances to mine?

I have 3 years ncb with my insurers, so that will be unaffected, but will have one claim off another policy.:dapprove::dapprove::dapprove:

I got the vaseline ready...............

Any guesses what the price will be? 575ish now FC....a free mars bar to the person with the nearest answer.

 

[Se7en172]

Why didn't you pay the £600 bill if your excess was £500?

 

[Monkey_beast_182]

I have to ask. What the hell did you hit to break the rear axled? A pot hole 17" deep at 120mph? That's well done. Most people damage bodywork or burn out clutches on higher cars, but to bend an axle! That takes devotion!

As you mentioned mars bar, I reckon it'll probably cost you at most another £20.

 

[LegoHead]

Why didn't you pay the £600 bill if your excess was £500?

because i was told it was going to be over 1500, just found out 5 minutes ago the exact cost.

I've just found out the exact cost to my policy I'll keep you all guessing for a bit longer.....

I have paid £25 just to get all the documents sent to me to prove I have disclosed everything, I'm paranoid about insurance...

 

[LegoHead]

I have to ask. What the hell did you hit to break the rear axled? A pot hole 17" deep at 120mph? That's well done. Most people damage bodywork or burn out clutches on higher cars, but to bend an axle! That takes devotion!

As you mentioned mars bar, I reckon it'll probably cost you at most another £20.

Well I went backwards for a bit then hit a kerb, was just pootling along too. I should have taken pictures. I was lucky there was no body damage, just a rear wheel bent underneath the car....

It's my first crash on the road too glad it wasn't in the 182.

 

[Weeman]

Most cars dont suddenly go backwards while pootering, if that was the case my mum would of crashed her aerodeck years ago

 

[Hazza]

I crashed a courtesy car once, and had to pay the full £300 to get it fixed... could've paid £35 at the start of hiring the courtesy car, which will mean that if anything happened to the car, im not liable for it. But i didn't pay the £35, coz i didnt think i would crash it Stupid of me, seeing as it was a shitty Clio and it was snowing.

 

[Monkey_beast_182]

DEFINITION: Pootling....
1) Driving slowly
2) Hurtling in a great ball of fire (Ref. Clio Sport).

 

[xshexisusannex]

Pay back the insurance company whatever they paid on your claim and ur NCD will be Re instated, if the total cost was 600 uve paid 500 give them another 100 and your sorted!

you do know you can just noptify your insurer tell them its for info only then just deal wi the hire compnay, that wont effect you

 

[LegoHead]

DEFINITION: Pootling....
1) Driving slowly
2) Hurtling in a great ball of fire (Ref. Clio Sport).

lmao! Honest, I am a very careful driver especially in the wet. A recent trackday I went on showed me that what i think is quick driving is slow ghey driving.lol.

Anyway, it's all sorted, there was technically no insurance claim with the hire car company they paid the extra money.

My insurer knows about it and as I paid £500 excess, the damage was only really £200ish, so it's such a small claim it wont effect my policy. If I did it again however it would....

Cost was zero...

 

[xshexisusannex]

DEFINITION: Pootling....
1) Driving slowly
2) Hurtling in a great ball of fire (Ref. Clio Sport).

lmao! Honest, I am a very careful driver especially in the wet. A recent trackday I went on showed me that what i think is quick driving is slow ghey driving.lol.

Anyway, it's all sorted, there was technically no insurance claim with the hire car company they paid the extra money.

My insurer knows about it and as I paid £500 excess, the damage was only really £200ish, so it's such a small claim it wont effect my policy. If I did it again however it would....

Cost was zero...

Im dorry but that makes absolutley no sense to me and i handle motor claims!:S