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Not the best day

OP. Just a word of warning in case you were looking into claiming on your insurance.
I had a similar thing a few years ago. A pheasant ran out and broke a (£900!) headlight on my E class.
I rang the insurance company to see if it was worth me claiming. I didn't claim and paid for the repair but the insurance company logged it on the insurance database as "an incident". My premiums went up by 15% for the next 3 years AND I paid for the repair! They wouldn't take it off the database, either even though I argued that it was never a claim.
 
Pondrew said:
OP. Just a word of warning in case you were looking into claiming on your insurance.
I had a similar thing a few years ago. A pheasant ran out and broke a (£900!) headlight on my E class.
I rang the insurance company to see if it was worth me claiming. I didn't claim and paid for the repair but the insurance company logged it on the insurance database as "an incident". My premiums went up by 15% for the next 3 years AND I paid for the repair! They wouldn't take it off the database, either even though I argued that it was never a claim.
Click to expand...

I had this but on home insurance when a kitchen worktop blew. It would have needed 4 bits replacing due to location. Never went ahead and like you phoning round the following year and it had been logged as a claim.
 
srhutch said:
I had this but on home insurance when a kitchen worktop blew. It would have needed 4 bits replacing due to location. Never went ahead and like you phoning round the following year and it had been logged as a claim.
Click to expand...

I am puzzled how does a kitchen worktop blow up? :o
 
Silverstar said:
srhutch said:
I had this but on home insurance when a kitchen worktop blew. It would have needed 4 bits replacing due to location. Never went ahead and like you phoning round the following year and it had been logged as a claim.
Click to expand...

I am puzzled how does a kitchen worktop blow up? :o
Click to expand...

Just add water!
 
ive not called the insurance, I just knew it would end up costing more in the long run. Its going in on Wednesday and they are going to try and repair it. I think its worth ago before we order a whole new bumper.
 
I lost my TTS in really bad snow a couple of years ago. Only my vehicle involved but needed a new Matrix LED headlight and clamshell bonnet plus painting and buffing. Total claim was for about £4,500. Claimed off insurance and premium went up by £20 the next year. I then changed to the Z4 and premium has gone down by £70.
 
Insurance is a mystery to me. My 19YO son wrote his car off in a knock-for-knock accident on a country lane - a 2 and a half year old Hyundai i10. The insurance paid out fairly, and he decided to add some funds to upgrade to a nearly new Fiesta - and his insurance was £200 less with the same firm.
 
ronk said:
Was the repair expensive?
Click to expand...
It was £730 with the 3 parts that were replaced, repairing the bumper and respraying the area around it. And the whole thing clear coated.
 
Mr Tidy said:
That's a real shame OP. :(

I hope with new inserts you can get it fixed and painted. :thumbsup:

Back in 2014 a few months after I bought my first Z4 I hit a pheasant on the A43 near Silverstone, but I got lucky as nothing broke.
Click to expand...

I hit a pigeon with the top of my head a few months back, luckily there wasn't much precious stuff that could be damaged in the first place :rofl:
 
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