Jump to content
SAU Community

Recommended Posts

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.

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.

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.

  • 3 weeks later...

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.

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 by Murray_Calavera

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now


  • Similar Content

  • Latest Posts

    • Kittens in first to claim dominance of the residence, then puppies later From past experience, the other way around can be problematic to say the least  Those weird "Dobby looking"  little kittens are not cheap....LOL
    • At least yours have parkour down pat. One of mine will still trip over his own shadow and fall over... He's a special type of cat... Ha ha ha
    • The question then becomes - was there any fluid coming from that hole before you did the rebuild ?    You may not have noticed, of course.   Depending on how you did the rebuild, the possibility has to be considered that somehow (cleaning ?)  fluid entered that hole and is now being 'forced'  out by small movements of the proportioning valve.   From the factory, there's actually a small rubber plug in that hole but with age and under-bonnet heat it's quite common for it to 'go missing'.  That rubber plug is designed to allow the venting process but also to prevent 'stuff' getting to the area (prevent corrosion, etc).   The plug is also not available as a spare part AFAIA. Personally I wouldn't race and buy a new master just yet but keep an eye on the area to see if the 'leak' continues.   If you're concerned about brake fluid damaging nearby paintwork, cable tie a piece of suitable absorbant material over the hole and remove/monitor occasionally.    Operation of the proportioning valve and the brake master itself won't be affected, but also keep an eye on brake fluid level, of course. In terms of a new master, the genuine part is getting expensive, unfortunately.  Amayama is showing AUD900+.   I was searching recently and there's an aftermarket part available from Japan made by 'Parts Assist': https://zenmarket.jp/en/yahoo.aspx?q=BNR32%2bBM50&p=1 Whether it's any good I have no idea, although in my experience Japanese aftermarket stuff is pretty good quality-wise.   The above site allows overseas buyers to purchase stuff more easily from Japan but there are fees and shipping costs, of course.   The original Japanese seller page is here: https://auctions.yahoo.co.jp/jp/auction/p1197401228 Copper/Nickel is fine but I still prefer bundy tube and it's also cheaper.
    • Your chihuahuas look weird!
×
×
  • Create New...