Just been a victim of being keyed :(

Hi there l am really sorry this has happened to your car mate sorry indeed,are you covered for malicious damage?some peeps ain't and some that are....with a high excess,your very proud of your car,you take great care of it l know,av seen you on youtube lol....reason l am saying this,if you just get the 2 door's resprayed you will notice the difference between them and other parts of the car...ie wings..the whole side of your car will need to be painted,ie both doors and the wings will need blended in for best results.hopefully you'll get it sorted fast, one way or the other mate
 
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jassyo06 said:
Hi there l am really sorry this has happened to your car mate sorry indeed,are you covered for malicious damage?some peeps ain't and some that are....with a high excess,your very proud of your car,you take great care of it l know,av seen you on youtube lol....reason l am saying this,if you just get the 2 door's resprayed you will notice the difference between them and other parts of the car...ie wings..the whole side of your car will need to be painted,ie both doors and the wings will need blended in for best results.hopefully you'll get it sorted fast, one way or the other mate
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Hi, thanks for the thought and everyone else who's been supportive. It can be a case of bad luck or someone I've upset but I've been on the case to my body guy (who only does my work) and he's given me a competitive price so I'm going to fork out the money myself rather than go the insurance route.

Other people mentioned they have their suspicions if it's a bike or something else. I am determined to park there in the future again and can't let this mishap happen and scare me from parking there.

Might have to install 2 more cameras pointing on the side of the windows

Or install a defense mechanism that burn victims who come close to the car lol
 
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Sorry to hear of this incident and I hope you get it sorted soon.

There does seem to be a misunderstanding about the insurance situation. A premium is based on a number of factors and one of those is the risk profile of the drivers. Let's take an example which happened to me. I rented a car abroad and managed to reverse into a fence causing a small amount of damage to the car. I settled the repair bill with the rental company but despite this legally you should (and I did) report this to your UK insurance company. This is because I was now regarded as a driver who has a higher accident risk profile and they increased my renewal premium by £35. Had I not reported it they would have been within their rights to refuse a future insurance claim for withholding relevant information. Now we all have to take a view about the likelihood of being "found out" but the fact that you pay for a repair yourself does not mean you don't have to report the incident.


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Doesn't it depend on how your prospective insurer frames the question? Some ask whether you have had any accidents in the last x years whilst others ask whether you have made any claims. If you have had an accident but have arranged and paid for the repair yourself, you could answer in the negative, in spite of the 'utmost good faith' doctrine. Or is it that there is a risk that when future damage is repaired at your insurer's expense, the earlier repair might be detected and you would be found to have fallen foul of the utmost good faith obligation? Obviously if you have made previous claims there will be records on the insurers' shared records so you can't be anything other than honest in response to questions about claims.
 
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If "utmost good faith" worked in the other direction I'd agree with you wholeheartedly, but my experience with Direct Line on a non fault claim that dragged on from December 2012 until well into 2014 has convinced me that car insurers are nothing but a bunch of exploitative, back stabbing, promise breaking, hiding-behind-semantics, don't-do-their-******-jobs-properly scumbags with moral standards lower than a snakes testicles. They'll use any excuse to reduce their liability, any excuse to raise your premium, and any excuse to farm out any resulting repair work through their in-house old boys network.

For recent evidence of the sordid practises in play, take a look at admiral insurance duping customers into paying more if they've attended a speed awareness course.

For the avoidance of doubt, I don't like insurance companies very much.
 
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Like you I think that insurance companies are up (or down there!) with estate agents and bankers! But I'm simply pointing out that if you are asked the question about whether you have had any accidents within the last X years then they are asking simply that - not whether you have claimed.
Of course if they ask the question as wideboybloke says - i.e. have you made any claims - then I guess you can correctly say no if you had the repair done privately. But my insurer (LV) specifically asks the question so that if I'd answered no then I would be putting myself at risk. But as I said in my original email each of us has to take a view and act accordingly.
 
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