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Small Claim?

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  • 14-04-2018 7:51pm
    #1
    Condawgg
    Registered Users Posts: 3 ✭


    Hey Liberty,

    Someone dinged my car door in a car park while I was shopping. It's a small dent and the paint seems good though I'm unsure how much these things cost to repair. I'm fully comp with two years no claims and am over 25... my question is whether or not I can claim repair without affecting my no claims given how small the mark is?

    Cheers,

    Conor


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    #2
    Seth Brundle
    Moderators, Politics Moderators Posts: 39,746 Mod ✭✭✭✭Seth Brundle


    Pay for it yourself and don't lose your NCB.
    Making a claim is likely to cost you more in the long term


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    #3
    jacksie66
    Closed Accounts Posts: 2,988 ✭✭✭jacksie66


    This post has been deleted.


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    #4
    Condawgg
    Registered Users Posts: 3 ✭Condawgg


    Thanks guys, will price around. Just found that liberty has step back no claims protection but it only counts if you have 4 or more years of no claims! Ridiculous that something obviously done by some .... in a car park hits his door on my car and I lose all those years of safe driving.


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    #5
    Seth Brundle
    Moderators, Politics Moderators Posts: 39,746 Mod ✭✭✭✭Seth Brundle


    Condawgg wrote: »
    Thanks guys, will price around. Just found that liberty has step back no claims protection but it only counts if you have 4 or more years of no claims! Ridiculous that something obviously done by some .... in a car park hits his door on my car and I lose all those years of safe driving.
    Step back protection means nothing when it comes to ringing around for competing renewal quotes and the first question asked is if you have had any previous claims! Step back only means somethjbg if you stick with the same insurer (which is usually not as cheap as ringing around)


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    #6
    Condawgg
    Registered Users Posts: 3 ✭Condawgg


    kbannon wrote: »
    Condawgg wrote: »
    Thanks guys, will price around. Just found that liberty has step back no claims protection but it only counts if you have 4 or more years of no claims! Ridiculous that something obviously done by some .... in a car park hits his door on my car and I lose all those years of safe driving.
    Step back protection means nothing when it comes to ringing around for competing renewal quotes and the first question asked is if you have had any previous claims! Step back only means somethjbg if you stick with the same insurer (which is usually not as cheap as ringing around)
    Jesus, thanks for that kbannon!


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    #7
    punisher5112
    Registered Users Posts: 24,644 ✭✭✭✭punisher5112


    Look up dent magic and the likes.

    Or look up on motors forum for a repairer in your area.

    Don't claim as said above.


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    #8
    ouxbbkqtswdfaw
    Closed Accounts Posts: 1,253 ✭✭✭ouxbbkqtswdfaw


    Just shows that car insurance is not car insurance at all!


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    #9
    punisher5112
    Registered Users Posts: 24,644 ✭✭✭✭punisher5112


    ua6lz2x89w0cg5 wrote: »
    Just shows that car insurance is not car insurance at all!

    If one claims they now become high risk.

    It's terrible how bad it's got but it doesn't look like it will change.

    Too much money to be made.


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    #10
    PaddyWilliams
    Registered Users Posts: 1,121 ✭✭✭PaddyWilliams


    If you're in Dublin, I would recommend DentPro. Top job done by them. No affiliation with them, just a happy customer.


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    #11
    Seth Brundle
    Moderators, Politics Moderators Posts: 39,746 Mod ✭✭✭✭Seth Brundle


    ua6lz2x89w0cg5 wrote: »
    Just shows that car insurance is not car insurance at all!
    Not sure what that is meant to mean. Insurance is based on risk. If you make a claim then you become a higher risk. It's fairly straight forward!


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    #12
    ouxbbkqtswdfaw
    Closed Accounts Posts: 1,253 ✭✭✭ouxbbkqtswdfaw


    I pay the insurance company to cover me in the event of an accident. An agreement has been made between me and the insurance company. Why should I pay more on renewal date? It turns out I wasn't covered at all, because I am punished if I claim from the insurance company.


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    #13
    Seth Brundle
    Moderators, Politics Moderators Posts: 39,746 Mod ✭✭✭✭Seth Brundle


    ua6lz2x89w0cg5 wrote: »
    I pay the insurance company to cover me in the event of an accident. An agreement has been made between me and the insurance company. Why should I pay more on renewal date? It turns out I wasn't covered at all, because I am punished if I claim from the insurance company.
    Yeah, you obviously dont get the idea of insurance!
    As an insurance risk, you are quoted a price. If your risk level changes (either less risk from more years of no claims or by being a higher risk from making a claim) then any renewal is abllbased on the revised risk rating.
    Your agreement hadn't changed in any way.
    Nobody suggested that younwouldnt be covered (assuming you abide by the agreed contract).


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    #14
    Liberty Insurance: Lisa K
    Company Representative Posts: 112 Verified rep ✭Liberty Insurance: Lisa K


    Hi Condawgg, can you DM me with your policy details and I can get a member of our claims dept to give you a call. Lisa  


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    #15
    Old Perry
    Registered Users Posts: 1,511 ✭✭✭Old Perry


    Liberty Insurance: Lisa K wrote: »
    Hi Condawgg, can you DM me with your policy details and I can get a member of our claims dept to give you a call. Lisa  

    You'll have to try harder than that


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