Insurance to fix key scratch ?

sz_danii

Hi all,

Yesterday while refereeing a game in Clondalkin somebody was so kind to give me an "autograph" on my car. The scratch is quite deep and long as well. It's starting from the back door all along the rear wing and ends at the rear light. As the car is an 04 Passat which I kept in really good shape and would like to get this fixed. The question is: Will the insurance fix this without affecting my no claim bonus, as this didn't happen because of me. I have to mention the scratch is an obvious "key scratch" and I have comprehensive insurance with Axa.

Thanks.

Seth Brundle

What is the excess on your policy as you will have to pay this. I also doubt that it would not affect your NCB (I have doubts over whether they would even honour the claim).

sz_danii

None at all. I didn't agree to any excess when I got insured.

Seth Brundle

OK - thats unusual but I take your word on it.
I still think that it won't be worth the hassle. You will more than likely lose some or all of your NCB - paying for the damage in the long term!

sz_danii

kbannon wrote: »

OK - thats unusual but I take your word on it.
I still think that it won't be worth the hassle. You will more than likely lose some or all of your NCB - paying for the damage in the long term!

Well I don't understand why I should lose my NCB as this didn't happen because of my fault. It's an act of vandalism. No ?

Seth Brundle

I'm not getting into that end of it - dispute it with your insurance company

SpannerMonkey

You would be mad to go through your insurance the previous poster is right you would have a claim history even if you have a protected no claims and you always have an excess usually very small ,it doesn't matter who causes damage to car it would still be a claim and it's called no claims discount for a reason , I know it's sickening but just pay it yourself unless it's very very expensive

Dublinstiofán

Happened to me last week. Be very careful!

Got 4 quotes for the car repair €450 €550 €681 and €800 - €900

I'll let you guess which quote is the one from my insurance company when they looked at the damage!

I have 50% NCB and was told my insurance will increase by €380 next year if i claim and my excess is €250. And my NCB will be reduced to a 30% discount even though my car IS COVERED for malicious damage

Hence €380 + €250 = €630, more than enough to get it done in two of the four places. Better off not going through insurance at all. They have it all sussed out.

Nonoperational

Of course it will affect your no claims bonus.