Honesty! What a Clubbing Eddy concept

Post by **RattyMcClelland** » Tue Dec 04, 2012 7:45 pm

Rant time.

I was in my van today in a tight carpark. Only way out was to reverse. As it happens with loads of blind spots i hit a parked vehicle. a rather turd like Fiat Punto Sport. One of the rear ones. MY drivers door hit his rear as i swung round to turn.

Being as i have my own mobile vehicle bodywork repair business i thought "hey presto not to worry ill repair that"

Damage was 2 dents on the rear quater directly above the bumper and a large bumper scuff. Dead easy.

Being an honest person a got someone to find the owner and pop out to me.
I offered to repair it as im good at it and it will be have a lifetime guarantee.

Errr now he said i want your details.

Long story short hes made a claim when i could have saved all the hassle and done it for free.

Now question will this effect my car insurance? My car insurance is separate to my vans insurance.

So despite being honest it bit me in the ass.

Post by **Pushki** » Tue Dec 04, 2012 7:48 pm

I would have taken your details too.
If I didn't know the quality of your work, I would want to take my car to a trusted bodyshop.

ziyaan · Post by **ziyaan** » Tue Dec 04, 2012 7:50 pm

wat a N@b

have you explained to him it will affect his insurance if he claims

£200 for damages an extra £500 for next years quote

Post by **NafemanNathan** » Tue Dec 04, 2012 7:53 pm

Agree with Pushki I'm afraid... If I didn't know you from Adam. You obviously trust you as you know you, but how easy would it be to say what you said, give them a random bodyshop business card and then do one?

Can't say about the insurance effect.

secla · Post by **secla** » Tue Dec 04, 2012 7:55 pm

You have to inform your insurer of any accident whether in a vehicle insured by them or anyone else.

I see your point but as said above the guy doesn't know you or your work so you can't really blame him

andypont · Post by **andypont** » Tue Dec 04, 2012 7:55 pm

I think it will affect your insurance. Being a different vehicle (and policy) you wont lose any NCB. of course, but the "any accidents or claims in the last 5 years" will add some cost to your policy, I would think.

Post by **RattyMcClelland** » Tue Dec 04, 2012 8:02 pm

I didnt mind giving him my details, of course thats the right thing to do.
But i was in my work van and he would be getting the work entirely for free. If he didnt like it he could then claim on insurance.

Just checked my Preludes insurance and i have protected No Claims.

Thank god. I dont mind a slight rise but not another £1k.

I will inform Sky of the happenings once i warn them of high outputHytech/Mugen performance exhaust fittage and watch it rise.

Supermarine Blues · Post by **Supermarine Blues** » Tue Dec 04, 2012 9:12 pm

Yeah, technically, you have to report accidents EVEN if there's no claim. It's bollocks, but these insurance companies fancy everyone's arse in the country...

I managed to door-ding my own S2000 in the garage once; guess I'm now a fraudster & will expect to receive a demand for 2 years' revised insurance premiums. I shouldn't joke; it happened to a mate of mine & his missus hadn't even told him she'd had a f ucking accident in her own car...

Supermarine Blues · Post by **Supermarine Blues** » Tue Dec 04, 2012 9:14 pm

Oh, and sorry to hear it, Rattynitin.

I hope they come to their senses & let you fix it...

secla · Post by **secla** » Tue Dec 04, 2012 10:04 pm

RattyMcClelland wrote:If he didnt like it he could then claim on insurance.

I think he would seriously struggle to claim after a repair had already been done !

Insurance companys seem to like people to think that they dont put insurance up in the case of a no fault claim but in mu experience thats a load of bull. A truck flicked a street cone up into my missus car while it was parked off and she claimed off there insurance for it, the next year her premium went up quite noticeably.