Hi all.
A few weeks ago, we had a freak golf ball sized hail shower which left LOTS of dents on many of the cars in mine and surrounding villages, mainly bonnet and roof, but also on other panels to a lesser extent.
I have looked into this and it's covered under the insurance..but..
What should I do?
(Panda 100HP btw)
It's been suggested that the car actually may be written off (many others were, even much newer vehicles than mine) as it's a v time consuming job to fix - time equals money.
I don't want the car to be written off (and I don't want to 'buy it back', kinda thing as finances are already tight.
If it wasn't written off..i could have it fixed up..but I'd have to pay the excess (£250) and lose all my no claims - so next insurance could be much higher next time!
I've never ever claimed on insurance...so I'm not sure what happens.
if the car is written off...do the insurance company give you a sum for the car?
Or, I could leave it as I have done so far. It's a shame to see it like this...but it doesn't affect the car in any way other than looking a bit daft and tatty
My concern there is that any p/x value or private selling value is now vastly reduced from what it would have been (I'd estimate car is worth £1500ish before the hail damage.
I'm still paying for the car too, I got a small loan to get it...so im pretty much stuffed financially now as I wont be able to get a reasonable value back IF I decided / wanted to sell.
So...I'm not sure what to do.
A few weeks ago, we had a freak golf ball sized hail shower which left LOTS of dents on many of the cars in mine and surrounding villages, mainly bonnet and roof, but also on other panels to a lesser extent.
I have looked into this and it's covered under the insurance..but..
What should I do?
(Panda 100HP btw)
It's been suggested that the car actually may be written off (many others were, even much newer vehicles than mine) as it's a v time consuming job to fix - time equals money.
I don't want the car to be written off (and I don't want to 'buy it back', kinda thing as finances are already tight.
If it wasn't written off..i could have it fixed up..but I'd have to pay the excess (£250) and lose all my no claims - so next insurance could be much higher next time!
I've never ever claimed on insurance...so I'm not sure what happens.
if the car is written off...do the insurance company give you a sum for the car?
Or, I could leave it as I have done so far. It's a shame to see it like this...but it doesn't affect the car in any way other than looking a bit daft and tatty
My concern there is that any p/x value or private selling value is now vastly reduced from what it would have been (I'd estimate car is worth £1500ish before the hail damage.
I'm still paying for the car too, I got a small loan to get it...so im pretty much stuffed financially now as I wont be able to get a reasonable value back IF I decided / wanted to sell.
So...I'm not sure what to do.