Hi,
I reversed up this morning into a road and more importantly into the side of another car. Completely my fault. I gave her my mobile and said let me know the damage. Her door was dented and had scratches etc along it, I reckon they would just replace her door. My question is whether it's worth it to pay up or go through the channels. My friend said I should avoid the insurance companies at all cost as they should be only used for death insurance almost. He says your premiums will go up considerably, maybe not in the first instance but if you get a second accident on your scorecard then your insurance could be thousands. To counter this I said that I'm 45, had a licence since 18 and got about 10 years no claims insurance or whatever the limit is. My insurance is about 250 quid a year and I have protected no claims so why shouldn't I claim? My car is new and the damage to mine can be polished out almost so not bothered about mine so much. Can someone advise me?
Matt
I reversed up this morning into a road and more importantly into the side of another car. Completely my fault. I gave her my mobile and said let me know the damage. Her door was dented and had scratches etc along it, I reckon they would just replace her door. My question is whether it's worth it to pay up or go through the channels. My friend said I should avoid the insurance companies at all cost as they should be only used for death insurance almost. He says your premiums will go up considerably, maybe not in the first instance but if you get a second accident on your scorecard then your insurance could be thousands. To counter this I said that I'm 45, had a licence since 18 and got about 10 years no claims insurance or whatever the limit is. My insurance is about 250 quid a year and I have protected no claims so why shouldn't I claim? My car is new and the damage to mine can be polished out almost so not bothered about mine so much. Can someone advise me?
Matt