Just scuffed my neighbours bumper (Not a euphemism)

[Z4paul]

The problem with Chips Away is that it is a franchise, so the quality of the job you get depends entirely on the abilities of the owner of the franchise where you live.

I had a couple of bits done by them on my 1 Series and was more than happy with the end result.

Certainly are a mix of reviews online and here so this would make sense. The operators certainly had plenty of kit in the way of gazebos over the vehicles / uv lights, compressors and plenty of time on the job as it were so not rushed and looked v good for a while...others will have a much better experience of course

[Ole gits rule]

I had one on an Alfa Spider and depending on how the car was Parked, you could not see the job but park it slightly different and you could see a clear line where the paint was applied - half way along the wing, from top to bottom - shockingly bad job

[DSGRNMCM]

So finally had a call from the owner, he wants to have a chat on Tuesday evening and wants to go through the insurance.

It is his perogative, but a bit over kill for scuff on a 2013 car.

Will I lose my NCB for such a minor claim against me?

[Smartbear]

So finally had a call from the owner, he wants to have a chat on Tuesday evening and wants to go through the insurance.

It is his perogative, but a bit over kill for scuff on a 2013 car.

Will I lose my NCB for such a minor claim against me?

You shouldn’t lose all your ncb but a percentage of it
Rob

[-Tom-]

I’d be tempted to get a quote from a reputable spray shop for that, as he doesn’t want a smart repair. I doubt it would cost much more than your excess even at somewhere pretty mainstream, not to mention the addition in premiums when you click “yes” to a claim.

[Mr Tidy]

If you pay for NCB protection you wouldn't lose any. But to get around this many insurers just add a bit to the premium if you have a fault claim so it can be a bit of a "no win" scenario. There shouldn't be any excess to pay for damage to his car, excesses usually only apply to damage to your own car.

In your situation I'd try to persuade him to get an estimate from a bodyshop (or two?) of his choice then give you the option of paying yourself or putting it through your insurance.

[Nictrix]

It may be "only a 2013 car" but it could be his pride and joy that he would like fixed properly, after all he didnt damage it and you did say it was mint.

[john-e89]

It may be "only a 2013 car" but it could be his pride and joy that he would like fixed properly, after all he didnt damage it and you did say it was mint.

This. Obvs you did the right thing owning up but if he wants to go through insurance for possibly a perceived better guarantee then so be it, he may well have saved for years to buy this car, It’s his call 100%.

[Zedebee]

Do you mean he wants t

So finally had a call from the owner, he wants to have a chat on Tuesday evening and wants to go through the insurance.

It is his perogative, but a bit over kill for scuff on a 2013 car.

Will I lose my NCB for such a minor claim against me?

Do you mean he wants to claim off his insurance? He can’t make you claim off your insurance, your responsibility is just to make good the damage you’ve caused. If you don’t want to lose your NCB, you may have a responsibility to declare the accident on your renewal, but you absolutely don’t have to make a claim

[-Tom-]

If you pay for NCB protection you wouldn't lose any. But to get around this many insurers just add a bit to the premium if you have a fault claim so it can be a bit of a "no win" scenario. There shouldn't be any excess to pay for damage to his car, excesses usually only apply to damage to your own car.

In your situation I'd try to persuade him to get an estimate from a bodyshop (or two?) of his choice then give you the option of paying yourself or putting it through your insurance.

Well that’s something new learnt for my day about the excess

[Mr Tidy]

Well that’s something new learnt for my day about the excess

Well to be fair I do have a bit of insider knowledge after 30+ years working in General Insurance claims!

On Comprehensive motor insurance there will be Accidental Damage excesses, Fire & Theft excesses, Windscreen excesses that vary depending upon whether it's a repair or replacement (and whether you use their appointed contractor), but not usually for Third Party claims.

Some posts attributed to me have appeared on here.

[ronk]

I would want it fixed properly as well!
I paid an extra £850 for the Tanzanite paint job on the 335 when I bought it and wouldn’t fancy a rattle can flash over, even though the car is five years old now.

[DSGRNMCM]

Well that’s something new learnt for my day about the excess

Well to be fair I do have a bit of insider knowledge after 30+ years working in General Insurance claims!

Morning,

The accidental damage excess, is that excess paid by me or the damaged car owner?

On Comprehensive motor insurance there will be Accidental Damage excesses, Fire & Theft excesses, Windscreen excesses that vary depending upon whether it's a repair or replacement (and whether you use their appointed contractor), but not usually for Third Party claims.

Some posts attributed to me have appeared on here.

[DSGRNMCM]

Sorry Mr Tidy, finger trouble.

So he claims off his insurance (Accidental Damage) and he pays an excess or I pay an Excess on my insurance to repair his car?

[Mr Tidy]

Not quite that straighforward I'm afraid.

If he claims on his insurance he will pay his excess, but his insurer will then claim their costs back from your insurer - or from you if you don't notify your insurer.

But you won't pay an excess on your policy for damage to his car as your excess only applies to damage to your car, so if he claims direct from your insurer neither of you will pay an excess. But you may find it costs you a bit more when you come to renew for a few years.