Our car is insured comprehensive, but I’m wondering from what amount it would make sense to claim? AA no longer has a no claims bonus, but obviously premiums can go up if you claim. We have some cosmetic damage which we caused ourselves, so would mean we’d pay our excess. Would it be wise to discuss with our insurer AA? Advice welcome, thanks.

  • @DaveMA
    link
    27 months ago

    What’s your excess and how much would it cost to fix?

    • @sylverstreamOP
      link
      37 months ago

      About 800 to fix. 500 excess. Thinking to just get it fixed myself.

      • @DaveMA
        link
        3
        edit-2
        7 months ago

        Yeah it’s hardly even worth the time to do the paperwork. If you shop around you can probably get it cheaper anyway.

        I’m gonna suggest that if you’re not going to claim on an $800 incident, you probably should increase your excess. We always set ours to the highest available (I think it’s like $1k-2k I can’t remember). In my view if you can afford to pay $800 out of pocket then there’s no point having insurance at that level.

        • @sylverstreamOP
          link
          37 months ago

          True, paperwork can be quite annoying.

          Valid point regarding excess. It does make having an accident a bit less stressful when you have a lower excess.

          Thanks Dave.

  • @walter_wiggles
    link
    27 months ago

    If you make the claim you may risk your premiums going up.

    On the flip side if you ever plan to sell it, the cosmetic damage will be used against you.

    If you can afford it I’d have the damage fixed without making a claim.

    • @sylverstreamOP
      link
      17 months ago

      Thanks, that’s what I’m thinking.

  • ∟⊔⊤∦∣≶
    link
    27 months ago

    Can’t you use nail polish and clear coat for tiny scratches?

    • @sylverstreamOP
      link
      27 months ago

      It’s more than a tiny scratch, definitely not something I can fix myself.