Just scuffed my neighbours bumper (Not a euphemism)

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.
 
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.
 
Nictrix said:
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.
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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%.
 
Do you mean he wants t
DSGRNMCM said:
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?
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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
 
Mr Tidy said:
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.
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Well that’s something new learnt for my day about the excess :icb:
 
-Tom- said:
Well that’s something new learnt for my day about the excess
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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. :headbang:
 
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.
 
Mr Tidy said:
-Tom- said:
Well that’s something new learnt for my day about the excess
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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. :headbang:
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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?
 
Not quite that straighforward I'm afraid. :roll:

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.
 
I would say it will be best all round to just pay for the damage caused at the bodyshop of their choice - it will no doubt be expensive now but cheaper in the long run. It will also save you having to explain the details of the claim at every search for a deal each year.
 
Which is why it’s worth having a grown up conversation. Ask him to get a quote from a reputable insurer and offer to pay for it directly. Obvs if it’s too expensive you have a choice. The only people who make money off insurance claims is insurers and lawyers.
 
ronk said:
I would say it will be best all round to just pay for the damage caused at the bodyshop of their choice - it will no doubt be expensive now but cheaper in the long run. It will also save you having to explain the details of the claim at every search for a deal each year.
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Sorry ronk, didn’t see your post in time. We’re on the same page.
 
Thanks Mr Tidy, Ronk and Zebedee,

Much clearer, I'll speak with him on Tuesday and ask him what he would like to do, but I'll warn him away from the insurance route.
 
Afternoon All, So met the owner last week, actually a nice bloke, we settled on my paying for a repair from a garage of his choice, I got the quote and paid the invoice. Done.

Question is, shall I inform my Insurance "For information only" or not bother as no claim has been made?
 
DSGRNMCM said:
Afternoon All, So met the owner last week, actually a nice bloke, we settled on my paying for a repair from a garage of his choice, I got the quote and paid the invoice. Done.

Question is, shall I inform my Insurance "For information only" or not bother as no claim has been made?
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That's the ideal outcome. :thumbsup:

Your neighbour is happy and so are you - don't go and spoil it all by telling your insurer! :wink:

You might have scuffed his car with a wheely-bin or something similar. :lol:
 
No way should you tell your insurance, if so what was the point of paying to get the job done - they will bump up your premium at renewal.
 
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