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Thread: Wife Just Pranged a Parked Car - Keep Off Insurance?

  1. #1

    Wife Just Pranged a Parked Car - Keep Off Insurance?

    As per the title. Left a note, but the owner has not contacted yet. Her excess is £350. It'd probably be worth paying directly to get it fixed if the cost was £500 given NCB etc. That's is even if the owner would consider it.

    Wife's car is very old so will be not looking for a repair it

    What chance given the photo below (3 to 4 year old Audi) the damage is up to £500 or thereabouts?


  2. #2
    Master Arcam's Avatar
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    Quote Originally Posted by noTAGlove View Post
    As per the title. Left a note, but the owner has not contacted yet. Her excess is £350. It'd probably be worth paying directly to get it fixed if the cost was £500 given NCB etc. That's is even if the owner would consider it.

    Wife's car is very old so will be not looking for a repair it

    What chance given the photo below (3 to 4 year old Audi) the damage is up to £500 or thereabouts?

    Borderline I would say as it looks like a new bumper may be needed.

    Sent from my SM-N910F using Tapatalk

  3. #3
    I would say no chance - audi body shop will want 1500 for that and as a 3 year old car they will want it to go back to Audi. You might be lucky but I would be very surprised.


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  4. #4
    Grand Master JasonM's Avatar
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    Quote Originally Posted by MB2 View Post
    I would say no chance - audi body shop will want 1500 for that and as a 3 year old car they will want it to go back to Audi. You might be lucky but I would be very surprised.


    Sent from my iPhone using TZ-UK mobile app
    I agree, having had quotes for a rear bumper for a VW CC similar scrapes, if it goes near a Audi garage you’ve no chance at £500.
    Cheers..
    Jase

  5. #5
    Quote Originally Posted by MB2 View Post
    I would say no chance - audi body shop will want 1500 for that and as a 3 year old car they will want it to go back to Audi. You might be lucky but I would be very surprised.


    Sent from my iPhone using TZ-UK mobile app
    This, my mate dinged the front of his Q7, granted he damaged the radar gubbins but the bill was over £3.5k 😳😩

    And to be honest if it were my car I'd want to send it back to Audi.

  6. #6
    I had to replace a Ford Focus bumper, the cheapest place (small back street edge of town type place) i paid £400 for a non Ford part & fitting. If you have to replace a real Audi part its gonna be alot more than £500..

  7. #7
    As per others - more so if leased - zero chance of £500 for a good repair. Put it through the insurance.....

  8. #8
    Master
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    You may get lucky and they don’t contact or like when my Mrs did similar the owner rang up and said “don’t worry about it, company car and they’re making me work my notice period so I don’t care” bought a lottery ticket that day lol

  9. #9
    Master danmiddle2's Avatar
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    Is your NCB not protected? I had a prang a few years ago and was surprised that my insurance renewal went down by ~10% the following year at renewal. I called up to check they had captured the right details, and was told that they basically expect every driver to have an incident at some point...
    Insurance can be random

  10. #10
    Master Arcam's Avatar
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    Quote Originally Posted by danmiddle2 View Post
    Is your NCB not protected? I had a prang a few years ago and was surprised that my insurance renewal went down by ~10% the following year at renewal. I called up to check they had captured the right details, and was told that they basically expect every driver to have an incident at some point...
    Insurance can be random
    Too weird, even with PNC I would expect a premium rise after a prang, you dodged one there.

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    Last edited by Arcam; 17th October 2017 at 20:16.

  11. #11
    Master
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    I'd say, even at trade money, that'll be £6-700 for a job that won't look like it was done by a Labrador.

  12. #12
    Master mickylall's Avatar
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    Maybe it depends where you are but my Mrs pranged the rear bumper on our new TT a couple of weeks ago, luckily there's a local bodyshop near us with a very good reputation. Bumper was split along the length for about 2 foot,I was absolutely gutted because the bumper is bloody huge. Fella said he could sort it no problem but I was very sceptical when he quoted £300, he kept the car 3 days and I can't tell it's been repaired. Gave it a wash and a wax this weekend and can't spot a thing, very impressed and I'm really picky with my cars

  13. #13
    Master
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    I might be wrong but I always thought the excess was only for repairs to your own car, not damage caused to others. I'd go through the insurance if that was me.

  14. #14
    Master
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    You may yet be surprised. The wife bumped a parked car in Asda and went in looking for the owner. They agreed we could sort it out without insurance because they were just happy that the wife didn’t drive off. His car was fixed for £72 and mine was done for £150



  15. #15
    Grand Master Dave+63's Avatar
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    Quote Originally Posted by Craig View Post
    I might be wrong but I always thought the excess was only for repairs to your own car, not damage caused to others. I'd go through the insurance if that was me.
    That's right, the full cost of the third party's cost will be paid by your insurance. All it will cost you is your Ncb.

  16. #16
    Quote Originally Posted by Dave+63 View Post
    That's right, the full cost of the third party's cost will be paid by your insurance. All it will cost you is your Ncb.
    Thanks for this, and everyone else for the comments.

    I thought that the voluntary excess applied to the third party’s costs, so that’s some better news.

    My wife has 9 years NCB (unprotected), so assume it’ll be back to something like 3 years NCB next year. She only drives insurance group 1s or 2s, so hopefully not a massive impact on renewal.

    The wife’s car is much more badly scraped, so given we’ll now claim for the third party, I thought it might be worth getting the damage fixed on the wife’s car.

    I put my wife’s reg through WBAC and it came with a price of £150! So not worth paying the excess!

  17. #17
    I believe there is a duty to report any vehicle collision (that causes damage) to the police.

    It's most likely that there'll be a condition of your insurance policy that you report any collision with a third party to the insurer, irrespective of whether you are intending to make a claim or not.

    R
    Last edited by ralphy; 17th October 2017 at 21:52. Reason: clarity
    Ignorance breeds Fear. Fear breeds Hatred. Hatred breeds Ignorance. Break the chain.

  18. #18
    Quote Originally Posted by ralphy View Post
    I believe there is a duty to report any vehicle collision that causes damage to the police.

    R
    Blimey, it's no wonder there are no coppers to tackle jewellery thieves and scooter muggers, they're all taking calls from the general public about a scuff in the Asda carpark 😂

  19. #19
    Grand Master learningtofly's Avatar
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    Similar damage on mine just came to £5k

  20. #20
    Master
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    Quote Originally Posted by ralphy View Post
    I believe there is a duty to report any vehicle collision that causes damage to the police.

    R
    No there’s not. If it’s minor damage and there are no injuries the police do not need to be informed as long as both sides are happy to sort it out between them/their insurance company.

  21. #21
    I was hit by another driver just a few metres from my house. I said to the driver to park up and we can then sort the details. He said ok. But then changed his mind and drove off. Insurance company then held me responsible as I did not have registration number of the other car. I had protected no claims but had to pay excess and increased insurance this year. The damage was £2500 which I was surprised at.

  22. #22
    Quote Originally Posted by jaytip View Post
    No there’s not. If it’s minor damage and there are no injuries the police do not need to be informed as long as both sides are happy to sort it out between them/their insurance company.
    If both parties have exchanged details at the time of the incident then I'd agree. But if you haven't then you do need to report it to the police within 24 hours.

    R
    Ignorance breeds Fear. Fear breeds Hatred. Hatred breeds Ignorance. Break the chain.

  23. #23
    Grand Master ryanb741's Avatar
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    I had very similar on my Audi A6 (in fact the damage on yours is worse than mine) and it cost £2,435 so no chance whatsoever at £500.

  24. #24
    Grand Master Mr Curta's Avatar
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    That would be seen as normal wear and tear around here.

  25. #25
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    Quote Originally Posted by ralphy View Post
    If both parties have exchanged details at the time of the incident then I'd agree. But if you haven't then you do need to report it to the police within 24 hours.

    R
    In this case they have left their details, so definitely no need to call it in. The necessity to call police only arises if no contact details have been left (as otherwise you might get reported for failing to stop).

  26. #26
    Master
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    A few years ago, I decided it might be worth having a protected NCB, so having had a rather expensive prang, I figured I would still be fine, but no.
    What Directline did was still give me my NCB but doubled the premium the discount came off, so effectively they kept to their word but it cost me dear! Took 4 years of a reducing loading on my premiums to get back to a regular premium.

  27. #27
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    Even if you weren't to claim from your insurance, and pay for the repair yourself, you're supposed to declare any accident, so you may as well let them sort it anyway.....



    Protected NCB is highly overrated IMO

  28. #28
    Master
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    Quote Originally Posted by alanm_3 View Post
    A few years ago, I decided it might be worth having a protected NCB, so having had a rather expensive prang, I figured I would still be fine, but no.
    What Directline did was still give me my NCB but doubled the premium the discount came off, so effectively they kept to their word but it cost me dear! Took 4 years of a reducing loading on my premiums to get back to a regular premium.
    I've heard of that from other people I know that have NCB. Yes the no claims is protected but the premium jumps up the next year to compensate. It's one of the reasons why I've never bother with NCB.

    To the OP you say the excess is £350. Is that voluntary plus compulsory excess added together? I was looking at insurance quotes last year and I was surprised at just how high the compulsory excess was. My advice is do it as claim and face the fact it's going to cost you perhaps a grand in excess and increased premiums :-(

  29. #29
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    I think the OP is better off biting the bullet on this and letting the insurance settle it.

    Several years ago, when my wife's Fiesta was less than 1 yr old, she hit a stray dog and cracked the front plastic bumper....... dog ran off but the bumper was badly damaged. Rather than claim on the insurance I decided it would be cheaper to fix it myself. I did this but in the end the cost of the bumper plus broken mountings cost slightly more than the excess on the policy. No idea whether the premium would've gone up the following year, but protected NCD doesn't seem to be what it purports to be from what I hear. In my case it was just about worthwhile doing the job myself and paying for parts but in the OP's case I'm sure it'll be far more expensive.

    Paul

  30. #30
    Quote Originally Posted by Ares View Post
    In this case they have left their details, so definitely no need to call it in. The necessity to call police only arises if no contact details have been left (as otherwise you might get reported for failing to stop).
    I don't think that's correct. As I see it, the law requires the exchange of details (minimum of name, address, registration plate number) between both drivers so just putting a note on one car may not stand up if subsequently challenged.

    Maybe the OP fulfilled the minimum requirement of their details (we don't know that) but even so I think it would be unwise to not report the matter to the police.

    R
    Ignorance breeds Fear. Fear breeds Hatred. Hatred breeds Ignorance. Break the chain.

  31. #31
    Grand Master Rod's Avatar
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    I would go down the insurance route. Sorry, but what is it about women hitting cars trying to park? Liz had only had her Aygo less than a month and someone trying to park next to her took a swipe similar to the OP and scraped one of her doors. Luckily the women owned up to Liz and offered to pay for the damage but after Liz rang me I said no, it had to go against her insurance.
    Same thing happened in a supermarket car park but didn't stop and it cost us. I'm fixing a dashcam now to her car.and asking her to be more spatially aware of where she parks... very annoying.

  32. #32
    Grand Master Rod's Avatar
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    Quote Originally Posted by jaytip View Post
    No there’s not. If it’s minor damage and there are no injuries the police do not need to be informed as long as both sides are happy to sort it out between them/their insurance company.
    That's correct.

  33. #33
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    Quote Originally Posted by Rod View Post
    Same thing happened in a supermarket car park but didn't stop and it cost us. I'm fixing a dashcam now to her car.and asking her to be more spatially aware of where she parks... very annoying.
    Would a dashcam work when the car is parked though? Not being a pedant, I've never had one.

  34. #34
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    Quote Originally Posted by Dave O'Sullivan View Post
    Would a dashcam work when the car is parked though? Not being a pedant, I've never had one.
    some do, our Nextbase starts recording if there is a small bump (motion sensor), obviously it depends on what and where the vehicle is hit, ours captures approx 140 degrees out of the front windscreen, obviously no good for rear impacts.

  35. #35
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    Need to be very careful. Suspect the question all insurers ask is "have you had an accident?", not "have you made a claim?". I got screwed by my insurer when I disclosed that the local bus compay paid out for damage a passing bus did when I was stationary at lights. My premium went up!

  36. #36
    Master Harry Smith's Avatar
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    Going off at a slight tangent, as you do, I did some 'Trade Plating' a few years ago while I was skiving sick from the public sector.
    I was shocked to find how many new cars are bashed and crashed then returned to sale as pre-reg or ex-demo. There was a repair facility at Didcot which turned some proper messes into minters. Journalists were the worst for knackering test cars.

  37. #37
    Master
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    Just hope they don't get greedy!

    Someone I know had his car (quite an old Audi A4 cabriolet) reversed into by a Sainsbury's delivery van. He had some legal cover or other and a third party seemed to deal with the hire car he was given while his car was being repaired. I was there when they delivered it to him, brand new Audi S4! Apparently it was the "closest thing to his 3.0 cabriolet!" More like the most money they could milk off Sainsbury's insurers!

    His car was repaired (was only a door scrape) but the body shop left cod eyes in the paint so (quite rightly) he didn't except the car. It took weeks and the bill for Sainsbury's was astronomical.

    The guy that dropped the S4 down said at the time how much the daily charge would be and with the repair it was an eye watering amount.

  38. #38
    Master
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    That interesting Harry - didn't realise that sort of thing went on. Not surprising really though.

  39. #39
    Master
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    Quote Originally Posted by Rod View Post
    I would go down the insurance route. Sorry, but what is it about women hitting cars trying to park? Liz had only had her Aygo less than a month and someone trying to park next to her took a swipe similar to the OP and scraped one of her doors. Luckily the women owned up to Liz and offered to pay for the damage but after Liz rang me I said no, it had to go against her insurance.
    Same thing happened in a supermarket car park but didn't stop and it cost us. I'm fixing a dashcam now to her car.and asking her to be more spatially aware of where she parks... very annoying.
    The problem is you still get an "accident" against your name! My wife was bumped from behind with no damage to our car at all so she was happy not to record anything. The other woman insisted so we had to tell our insurance company and it now registers that we had an accident. What is not clear is if it affects the premium or not.

  40. #40
    Grand Master JasonM's Avatar
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    Quote Originally Posted by relaxer7 View Post
    That interesting Harry - didn't realise that sort of thing went on. Not surprising really though.
    ‘Acident management companies’
    Total scum bags that rip the insurance for all they can get, that’s partly why insurance is so expensive.
    Cheers..
    Jase

  41. #41
    Master RJM25R's Avatar
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    Quote Originally Posted by jaytip View Post
    You may yet be surprised. The wife bumped a parked car in Asda and went in looking for the owner. They agreed we could sort it out without insurance because they were just happy that the wife didn’t drive off. His car was fixed for £72 and mine was done for £150


    That door is dented to buggery?

  42. #42
    Master
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    Quote Originally Posted by RJM25R View Post
    That door is dented to buggery?
    This was before the repair, showing the damage that was done.

  43. #43
    Master RJM25R's Avatar
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    Quote Originally Posted by jaytip View Post
    This was before the repair, showing the damage that was done.
    Ah, it looks like “before” and “after” with the two pics!

  44. #44
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    chances?

    I suspect you've more chance of plaiting fog than getting that repaired for anywhere near £500, but you might be lucky with a little independent repairer. Don't hold your breath as they say!

  45. #45
    Journeyman krusty's Avatar
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    Personally I'd wait and see what happens. The other car may have been illegal. No insurance, banned driver or whatever.
    Keep us informed.

  46. #46
    Craftsman Kris's Avatar
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    Quote Originally Posted by JasonM View Post
    ‘Acident management companies’
    Total scum bags that rip the insurance for all they can get, that’s partly why insurance is so expensive.
    Unfortunately, yes.. they are THE reason why insurance costs have sky rocketed in the UK.

    A whole industry that exists solely to claim as much money as possible from the insurance companies, encouraging non injured passengers, drivers etc that they did have an injury and creating the the credit hire, credit repair, physio and private medical companies.

    Most people don't realise just how they are "used" by these companies as a product to generate revenue. How your details are bought and sold with "referral fees" of up to £1,000 per claimant (yep that means 5 people in your car claiming ? thats £5,000 paid as a referral fee).

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