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From: Paul Welsh on 4 Apr 2010 15:13
Hi folks and Happy Easter

Just wondered if anyone could give me some advice about the likely
cost of repair to my driver's side wing.

I parked in a car park last night for 3 hours and came back to find
broken brake light glass and a dent in the driver's wing level with
the top of the headlight. Some fairly large areas of paint taken off
the front spoiler but no dents on it. Headlight itself OK. The dent
is a few inches deep. Obviously someone reversed into me.

It's a Citroen C5 2001 3.0 litre Exclusive on which the Glass's Guide
trade price has now collapsed to about £800 I notice, probably due to
road tax doubling next year. Of course, the retail price would be £1k
more than this.

The car has an irritating suspension leak and I have been considering
trading it in for some months.

I have a full no claims bonus (protected) and my excess is £350 so it
strikes me as just the wrong level of claim, ie, insufficient to write
off the car but not enough to justify losing my NCB. I know it's
protected but I'm very sceptical about how that would work in
practice.

Does anyone have any idea what it would cost to repair something like
this on an insurance job versus paying myself? Strikes me that a new
wing would be needed. Expect the spoiler area could be resprayed.

I'm loathe to spend money getting this repaired, given I was thinking
of trading it in anyway, unless the damage is sufficient to write it
off.

Cheers

Paul
From: Chris Whelan on 5 Apr 2010 04:06
On Sun, 04 Apr 2010 12:13:12 -0700, Paul Welsh wrote:

[...]

> I have a full no claims bonus (protected) and my excess is £350 so it
> strikes me as just the wrong level of claim, ie, insufficient to write
> off the car but not enough to justify losing my NCB. I know it's
> protected but I'm very sceptical about how that would work in practice.

It worked well for me when I wrote my car off last year. The price I got
was perhaps 20% more than I expected. The NCD was carried over to the
replacement car. Renewal was not significantly more expensive.

> Does anyone have any idea what it would cost to repair something like
> this on an insurance job versus paying myself? Strikes me that a new
> wing would be needed. Expect the spoiler area could be resprayed.
>
> I'm loathe to spend money getting this repaired, given I was thinking of
> trading it in anyway, unless the damage is sufficient to write it off.

Why not go and view some cars, then ask what they would give you for it
as it is? You can then balance that against what it might cost to get it
repaired.

Chris

--
Remove prejudice to reply.
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