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Should I Claim On My Insurance? (acco No Details Left)

Murray_Calavera
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Murray_Calavera Mentor

Murray_Calavera

Posted
Posted

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.

PranK Grand Master

PranK

Posted
Posted

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.

Daleo Grand Master

Daleo

Posted
Posted

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...
DivHunter Grand Master

DivHunter

Posted
Posted

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.

Murray_Calavera Mentor

Murray_Calavera

Posted
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Posted (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 by Murray_Calavera

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