Murray_Calavera Posted March 9, 2016 Share Posted March 9, 2016 Hey guys, I'm tossing up whether or not to claim on my insurance for some damage that was done to my car when someone hit it and then didn't leave their details. It's a new Subaru Impreza, I'm pretty sure the excess is about $600. I haven't got any quotes yet but I expect it would cost about $1500 to have it repaired myself. So I'm not sure if it's worth taking a hit to the no claim bonus and having an at fault claim on my record? Also I plan to keep the car for the foreseeable future, so it kind feels redundant to have it fixed when the same thing could happen later on. I dunno, it just makes me sad that its a new car and it would be nice to get it looking immaculate again. Keen to hear peoples thoughts. Link to comment https://www.sau.com.au/forums/topic/463520-should-i-claim-on-my-insurance-acco-no-details-left/ Share on other sites More sharing options...
GTR-N1 Posted March 9, 2016 Share Posted March 9, 2016 Do you have the registration number of the other car because that's all your insurance company needs? Link to comment https://www.sau.com.au/forums/topic/463520-should-i-claim-on-my-insurance-acco-no-details-left/#findComment-7695093 Share on other sites More sharing options...
PranK Posted March 9, 2016 Share Posted March 9, 2016 How much is your premium? Lets assume it is $600 with a 50% NCB, bringing it to $900 with 0% NCB. (Very rough maths!) If you just pay the repair now, you'll have paid off the 1500 in 5 years of reduced excess. If you claim, you'll already be 600 down with your excess, plus 5 years to get back to 50% NCB, plus 5 years of increased premiums. I can't work that out, but I reckon this would be the more expensive option by far. Link to comment https://www.sau.com.au/forums/topic/463520-should-i-claim-on-my-insurance-acco-no-details-left/#findComment-7695096 Share on other sites More sharing options...
Longz Posted March 9, 2016 Share Posted March 9, 2016 How bad is damage ? usually it's work's out cheaper to do the small repair's your self . sourcing out 2nd hand part's from wrecker's and get it re sprayed Link to comment https://www.sau.com.au/forums/topic/463520-should-i-claim-on-my-insurance-acco-no-details-left/#findComment-7695097 Share on other sites More sharing options...
Daleo Posted March 9, 2016 Share Posted March 9, 2016 How bad is damage ? usually it's work's out cheaper to do the small repair's your self . sourcing out 2nd hand part's from wrecker's and get it re sprayed Could be tricky going 2nd hand on a new Impreza. I'd get a quote; then make the decision. Link to comment https://www.sau.com.au/forums/topic/463520-should-i-claim-on-my-insurance-acco-no-details-left/#findComment-7695103 Share on other sites More sharing options...
DivHunter Posted March 29, 2016 Share Posted March 29, 2016 How bad is damage ? usually it's work's out cheaper to do the small repair's your self . sourcing out 2nd hand part's from wrecker's and get it re sprayed How BS is insurance that you have to do that? Almost all my cars have been like that, purely write off insurance. Link to comment https://www.sau.com.au/forums/topic/463520-should-i-claim-on-my-insurance-acco-no-details-left/#findComment-7704181 Share on other sites More sharing options...
Murray_Calavera Posted April 1, 2016 Author Share Posted April 1, 2016 (edited) How bad is damage ? usually it's work's out cheaper to do the small repair's your self . sourcing out 2nd hand part's from wrecker's and get it re sprayed This is what I ended up going with in the end, fixed it the best I could. It's not 100% but life goes on. Edited April 1, 2016 by Murray_Calavera Link to comment https://www.sau.com.au/forums/topic/463520-should-i-claim-on-my-insurance-acco-no-details-left/#findComment-7705294 Share on other sites More sharing options...
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