Insurance stories

This topic contains 15 replies, has 6 voices, and was last updated by  Philjb 4 months, 2 weeks ago.

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  • #80933 Reply

    Ida wogan

    Hi all,

    I’ve got a dent in one of the doors and a lot of scratches. I’ve also got deep scratches on the front of the car and I’m sure the left mirror is bent. However, these are from separate incidents, months apart. Will the RSA know this? If I fill in the online form will they tell me without even looking at the car whether it needs repairing or not? Excess is £100 and I’m willing to pay it, I just wanna make sure there won’t be any other charges incurred for not reporting the first incident etc…

    Can you just give your step by step stories of how the RSA dealt with the claim. In cases where repair was and wasn’t necessary?</p>
    I’ve included a picture of the most recent dent and scratches. You can’t see the dent in the picture but it is definitely there.

    Thank you

     

     

Viewing 15 replies - 1 through 15 (of 15 total)
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  • #80934 Reply

    Wazza
    Participant

    As long as metal underneath is not showing they might class it as wear and tear. They do expect small dents and scratches. To be on the safe side discuss with motability insurance and see what they say or have a chat with your local motability specialist. They might accept it as it is but you might lose your good condition bonus.

    I know someone who had a deep dent in his wheel arch and they accepted it.

    #80937 Reply

    Ida wogan

    Thanks a lot wazza. Appreciate the reply

    With the scratches at the front of the car I think the metal is showing, they’re pretty deep. But they’re not likely to ask why the damage is all over are they? It’s cuz they’re from two separate incidents.

    And will claiming affect my ability to lease again?

    #80939 Reply

    Wazza
    Participant

    If you claim frequently, always your fault in an accident etc then yes they will regard you as high risk and not lease you another car. Sometimes it might be best to have the scratches repaired from your own pocket. Best thing is to talk to motability and see what damage is acceptable and what isn’t. They might want to see photos. Like you said one area is to bare metal and that will rust. They will want that looking at. See how much a garage will charge.

    #80942 Reply

    Ida wogan

    Didn’t think about it rusting. It’s been like that for about 2 months ?. If excess is £100, surely there’s no point consulting with a garage privately?

    Both myself and my sister are insured drivers, she’s 27 and I’m 19. She was responsible for the car at the time so excess will be based on her age and not mine? For me it’s £500.

    #80943 Reply

    POPS
    Moderator

    I’ve used a company called Chips Away twice to remove and repaint ‘supermarket dings’.

    If you go through Motability insurance they will identify that you’ve had two separate incidents.

    Just a suggestion but if you can afford it get the cheaper of the two damage sites repaired by someone like Chips Away, and then report the remaining damage to Motability RSA.

    #80944 Reply

    Ida wogan

    Thanks for your reply, I will look into getting something done privately, but really don’t know what to do since I cannot afford it right now

    #80946 Reply

    SaintsMan

    A few winters ago I left my car on the road outside my house as I was going out again pretty soon. I noticed the flashing yellow lights of a gritter lorry while inside, thought nothing of it as they go past quite often in winter. When I went back out with my daughter, she went to the passenger side to get in and said ” have you seen this dad ?”.

    The whole length of the passenger side was badly dented and scraped, with some telltale signs of yellow paint running down the side. The gritter lorry must have gotten too close and caused the damage.

    I got straight on to RSA and told them what had happened, they were great. I was due to change over and already had my new car on order, RSA told me that as long as the car was safe enough to drive they weren’t bothered about the damage as I would be handing it back in a couple of weeks. I just lost my good condition bonus.

    On another occasion, during storm Doris, a tree branch hit my car, damaged the wing mirror and dented the passenger door. This happened just before I had to hand the car back after Capita took my allowance off me. Again RSA weren’t bothered by the damage as I was handing the car back, I still got my full £2000 transitional payment.

    So if I was you I would contact RSA, tell them about the damage and let them decide if it’s worth repairing or not.

    #80951 Reply

    Ida wogan

    Thanks for your reply saintsman, it was very helpful.

    But do you think it was just because you were at the end of your lease that they weren’t that bothered?

    I’m only 3 and half months into my first lease.

     

    #80954 Reply

    Wazza
    Participant

    Wow so much damage is only 3.5 months and you still got 32.5 months left? Best leave it till end lol.

    I know of someone who over a decade ago had a car on motability. Every panel had scratches, few had dents, inside well a rubbish bin seemed cleaner and yet when she returned the car the insurance company repaired it as one claim. And she got to order another car. Mind you that was over 15 years ago.

    #80956 Reply

    SaintsMan

    I didn’t see the picture earlier. The damage doesn’t look that bad really, and as your at the start of your lease and since it sounds like your sister is maybe not the most careful driver, I would hold off making a claim. Motability do like to know about damage, so it would still be worth giving them a call. Certainly looks like you won’t get your good condition bonus at the end though.

    #80958 Reply

    BigDave
    Participant

    Hi all,

    I’ve got a dent in one of the doors and a lot of scratches. I’ve also got deep scratches on the front of the car and I’m sure the left mirror is bent. However, these are from separate incidents, months apart. Will the RSA know this? If I fill in the online form will they tell me without even looking at the car whether it needs repairing or not? Excess is £100 and I’m willing to pay it, I just wanna make sure there won’t be any other charges incurred for not reporting the first incident etc…

     

    If this is just the door, what damage is there to the front and also the mirror? By ‘left mirror bent’ do you mean it has bent the door frame where the housing adjoins the body, or is the mirror housing just damaged? Will it ‘click back in?

    Surely, you shouldn’t have to be told that if you are trying to roll two completely separate incidents into one claim, that is technically insurance fraud. You should really tell them the truth if you are going to put a claim in. Should RSA/Motability find out you have lied, then the consequences can be severe. Hence if you can get it repaired without putting in a claim, it may be a better course of action.

    Both myself and my sister are insured drivers, she’s 27 and I’m 19. She was responsible for the car at the time so excess will be based on her age and not mine? For me it’s £500.

    You as the lessee are responsible for the vehicle. Your sister will be a named driver on your vehicle insurance; hence any claims will be viewed against your risk. If you do claim, your sister would also have to declare the incidents should she apply for vehicle insurance in her own right (by ticking the necessary boxes on the applcation).

    I’m only 3 and half months into my first lease.

    Probably even more reason to privately sort it out asap, particularly where the damage is down to the bare metal.

    However, what did your vehicle actually hit to cause that total amount of damage? If there is any chance of a claim from a third party for damage being caused by you/your sister/your vehicle, then you really do need to come clean with RSA/Motability asap. Better RSA are told by you rather than finding out from an aggrieved third-party claim arriving at their office.

    #80960 Reply

    joss
    Participant

    Hello Ida

    Could you post pictures of the other damage? Front end/wing mirror?

    I thing the best thing is to be totally honest with RSA and Motability. Send pictures and explain what happened, then wait and see what they advice. The reason I say this is because you are so early into you lease. Leaving damage will only get worse, especially if bare metal is showing.

    Who was driving the car at the time of the accidents?

    Joss
    Current car BMW X2 2.0 Sport sDrive Auto 2019
    Last car Ford Focus Titanium 1.5 TDCI
    Builder of Gaming PC's

    #80970 Reply

    mitch
    Participant

    wow 3 lots of damage in 3 and 1/2 months and points not declared! were there other cars/drivers involved? if they are making claims better you speak to rsa rather than them find out from a 3rd party.

    #80974 Reply

    POPS
    Moderator

    Don’t panic Ida, look up a local home repair tradesman (like Chips Away) on the internet and then get a quote for repairs. That will make a good starting point as you will then know the extent of the damage and whether you can afford to have the repairs done.

    The one thing that you shouldn’t do is leave it, as scratches like that will need repairing and repainting soon.

    #81049 Reply

    Philjb

    That may be too much for a chips away.

    Just wait till you give the car back then let them decide if it’s cosmetic or needs an insurance claim.

    Some dealers may just let it slide if you’re lucky.

    But it does look like more then wear and tear.  But fingers crossed you don’t need to make a claim.

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