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Had A Scrape

Discussion in 'A3/S3 Forum (8L Chassis)' started by Westy_A3T, Jun 2, 2013.

  1. Westy_A3T
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    Westy_A3T Member

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    [Jun 2, 2013]
    After 12 years of driving i've finally made contact with another car. [​IMG] This is the damage on the other car.[​IMG]. I've left a note etc.. but how much am i looking at for a respray? It's not a whole bumper paint job is it? A trim repair kit is about £15 on Ebay so i'm not to worried about the other car money wise.
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  3. dusty
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    dusty Member

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    [Jun 2, 2013]
    I recently had my bumper re sprayed for around £100 due to stone chips, it maybe worth ringing one of the mobile company's that do touch ups, a friend of mine has used one a couple of times with good results
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  4. Westy_A3T
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    Westy_A3T Member

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    [Jun 3, 2013]
    If i send the bill to my insurance company it shouldn't effect my NCB in the future because my NCB is protected?
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  5. jojo
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    jojo S3 Drift King! Staff Member Moderator

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    [Jun 3, 2013]
    Don't claim off insurance for that, you still need to pay the excess to make a claim, and your insurance goes up, as you have made a claim!
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  6. Westy_A3T
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    Westy_A3T Member

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    [Jun 3, 2013]
    What's the point of paying extra for protected NCB if your insurance still goes up the same if you have no protected NCB?
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  7. superkarl
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    superkarl MAN OF STEEL

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    [Jun 3, 2013]
    protected just means you can make a claim, but still declare for e.g. 5 years no claims when you take out insurance.
    if you werent protected, and claimed, it would go to 0
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  8. [Dave B]
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    [Dave B] Rrrrrrrr-tech

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    [Jun 3, 2013]
    Protected NCB is, in many cases, a complete waste of money. The last insurance advisor I spoke to actually advised me against it. Isn't there a cap on the most no claims bonus you can lose in an incident, IIRC it's two years isn't?

    Anyway, as said, just pay out of your own pocket.
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  9. [Dave B]
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    [Dave B] Rrrrrrrr-tech

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    [Jun 3, 2013]
    #8
  10. kwistof
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    kwistof South East Events Moderator Regional Rep

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    [Jun 3, 2013]
    NCB protection protects your NCB years and not your premium.

    In regards to this claim....whenever the damage caused by both parties totals less than your policy excess; it's pretty obvious what to do really!

    As a side note in NCB....if you have 3 or more NCB years - some insurers have a drop down NCB scale...e.g if you have 3 years NCB and do not protect it- then it could be dropped to 1 years... so therefore you don't totally lose your NCB...

    Also- yes you can only claim from a protected NCB policy x amount of times in x amount of years before you cannot carry on protecting them. All depends on the insurers T&Cs.
    #9

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