Somemone hit my parked car!

140490

Have no clue about what can be done,
i found my car today rear bumper have 3 cracks and grill bit broken, its parked on public road beside my house
What can i do call insurance ? Then what ?
Few other info
rear bumper is aftermarket bumper made of fiberglass thats why it did crack easy.
I have only been 3 months with this insurance company Aib insurance.
I have 1 year NCB
i have a note from someone hit my front bumper but there was no damage so i called him saying nothing happened. Its busy free parking road thats why !
what are my options ?

Thanks for any help

lollsangel

I presume you have an excess on your policy of 300 euros or more? I doubt a new bumper would cost that much. Whilst annoying I doubt you can do much but replace it, and its not worth losing your ncb for

smcgiff

140490 wrote: »

Have no clue about what can be done,
i found my car today rear bumper have 3 cracks and grill bit broken, its parked on public road beside my house
What can i do call insurance ? Then what ?
Few other info
rear bumper is aftermarket bumper made of fiberglass thats why it did crack easy.
I have only been 3 months with this insurance company Aib insurance.
I have 1 year NCB
i have a note from someone hit my front bumper but there was no damage so i called him saying nothing happened. Its busy free parking road thats why !
what are my options ?

Thanks for any help

What is the excess on your policy? Do you have comprehensive insurance?

140490

smcgiff wrote: »

What is the excess on your policy? Do you have comprehensive insurance?

I have third party fire and theft, i don't mind loosing my NCB,
the problem is the bumper is an aftermarket bumper it can be repaired but new one must be ordered from uk !!

140490

Cannot upload pics as it saying too large

140490

Contacted repair garage i know he said repair would be around 200e and new bumper cost 250£ without fitting and respray

coylemj

140490 wrote: »

I have third party fire and theft, i don't mind loosing my NCB,
the problem is the bumper is an aftermarket bumper it can be repaired but new one must be ordered from uk !!

TPFT won't cover it, you're on your own there.

smcgiff

140490 wrote: »

I have third party fire and theft, i don't mind loosing my NCB,
the problem is the bumper is an aftermarket bumper it can be repaired but new one must be ordered from uk !!

You cannot claim off your own insurance if you've not got comprehensive insurance.

colm_mcm

Did you get the note today? As in why not ring yer man back and tell him you've just noticed the back bumper. Did he shove your car into the one behind?

Ken.

Is there any shop or anything nearby that might have a camera pointed in your direction?. That's about the only hope you have of claiming off someone.

140490

colm_mcm wrote: »

Did you get the note today? As in why not ring yer man back and tell him you've just noticed the back bumper. Did he shove your car into the one behind?

That heppened a month ago, and there was no damage, this one is just today
sorry for the mess

140490

ken wrote: »

Is there any shop or anything nearby that might have a camera pointed in your direction?. That's about the only hope you have of claiming off someone.

Nothing only houses its public road in housing estate

140490

Pic of my policy

140490

Pics of bumper there is also big crack not in pic

braddun

look at your neighbors cars for damage

colm_mcm

They're unlikely to have any damage. You only need look at fibreglass bumpers and they'll crack

smcgiff

140490 wrote: »

Pic of my policy

First line under first section. No dice I'm afraid.

Dartz

Judging by those pics they might not have even realise they touched you. A loose football might cause a crack like that.

mickdw

You cannot claim on that policy for own damage.