Insurance Guide

[amishra]

Hi,

I have 1997 micra. some one hit it on left side passenger door which i am not able to trace. Its a hit and run case. what should i do to get it repair. should i claim from my insurance co. Any idea abt how much premium would increase in next year. the total cost to repair would be £ 500 - £1000.

Please advise.

Thanks
Amit

 

[Dusk]

Get a new door(from scrapyard) if that is the only damage...
Dont claim on your insurance - otherwise youll ruin your NCB,,.

 

[Ems]

Get a new door(from scrapyard) if that is the only damage...
Dont claim on your insurance - otherwise youll ruin your NCB,,.

Yeah i second that, your insurance will prob go up a couple of hundred otherwise!!

 

[amishra]

I havent't got any NCB. it my first year.

 

[j.a.kelly]

get a door from scrappy anyway... dont claim on ya insurance mate!!

 

[micra_B]

claim it ! thats what its there fr and it wont go up much as you have no no claims anyway

B

 

[Dusk]

ull have to wait 12 months until you can get 1 years no claims again.
You will have to declare that incident for the next 3 years on your insurance.

....or get a door from a scrapyard...
If you do it - you will regret it, dont say i diddnt tell you.

 

[Arnold]

Scrap yard is the ONLY option which should be put forward here. Dont even think about going through the insurance!

 

[K11SS]

i also agree it is just not worth it!!!!

DO NOT CLAIM!

 

[mike]

you say the damage is between £500 and £1000, so im guessing its more than a door as i new door with respraying should only cost £300. What condition is the sill in and is there any damage to the chasis of the car?

A scrapyard door will cost under £100 hopefully in the correct colour as well. If not you will have to spray it and it shouldn't cost more than £100 to get that done properly.

Can you post pictures of the damage


Finally the bit regarding your insurance company. The car is worth
Independent Dealer £ 910
Private Good £ 780
Private Poor £ 440
Part Exchange £ 625
(source parkers guide based on a 1.0GX)

So if the cost of repair is over £500 they would most likely write it off.

MIke

 

[rlees85]

and if they didnt you'd probably be paying 300 quid on excess anyways

 

[RIK]

your pass plus kinda counts as your no claims for the first year,then after 12month and you havent claimed your NCB cancells it out,,thats wot my insurance does anyway

i saved summat like 47% with pass plus and then after my first year saved 55% of the original price

 

[JayY]

Mike's post say it all. Get a new door mate, it not too hard to fit either

 

[hughes_16v]

claiming would be silly, you wont be able to get a years no claims for another 3years, well my mum lost all her 7years ncb when she had a 3crashes and now cant build anymore for 3years etc..............

 

[amishra]

thanks guys. will go to scrap yard and look out for door.

 

[amishra]

thanks guys. will go to scrap yard and look out for door.