Should I claim of my insurance

[Alfiemoon1]

i Have scratched my car on the gate post my fault although our road is horrendous for parked cars and the bloody cat ran out in front of me so i was also looking out for him. Due to the paint finish I have been quoted £450 can I should I claim off my insurance? I have 10 years no claims bonus that is protected

Really annoyed with myself just spent a fortune on dd driving lessons sorting her car and insurance now she’s passed fixing dh and mot and servicing all 3 cars thought we had finished with cars then I go and do this I am gutted

Sorry if I seem thick but I’ve never claimed on insurance so not sure how it works

I wouldn’t for that sort of money I’d just pay for it .

No I wouldn't, what's you excess? Your premium will definitely go up I wouldn't say worth it. Have done similar and paid £700 for repairs as still wasn't worth it to claim

What’s the excess on your policy? If it’s £250 then I’d probably just pay it.

I did something very similar the other week, was raging with myself but these things happen

Even with protected no claims your premium WILL go up. Our car was hit in a car park by a car that had itself been hit by an idiot driver. We weren’t in car at the time but police were called as “idiot” had to be cut out of his car so insurance etc was all 100% we were not at fault. No excess to pay and we have guaranteed no claims BUT policy went up a huge amount the next year and when I queried it they said it was because of the claim even though it was all claimed against the “idiot”.

yes think the excess is £250 so will probably just pay it. I was quoted £800 but £450 elsewhere. I am annoyed with myself I rarely use the drive as dh puts his car there as it’s a nightmare getting in and out but dd car was in my spot we are currently keeping hers at dmil when she’s away at university but he had brought it round for her and gone to pick her up.

We are going to have to widen the drive as we now have 3 cars and there just isn’t room to park them all. Our road is horrendous as it is for parked cars Been stressing about dd crashing her car as only passed her test 2 weeks ago and god knows how she passed then I go and do this I’ve never bumped my car if it was my old silver car which is now dd it would be so much cheaper to fix it’s the paint finish on mine apparently the whole side will need doing to match it up although I it has now been pointed out the boot is a slightly different shade to the rest of it

Just naffed off with the ridiculous amount of money we have spent on the cars in the last 2 months plus my sister had offered to pay for dd driving lessons then ended up in hospital so I had no choice but to pay and hadn’t budgeted for which came to £600 and now she’s out of hospital no sign of me getting it back. She is an expert at this and has for years made grand gestures that cost me money so I am just annoyed and fed up with everything to do with cars at the moment

If you claim, it will cost you extra for 5 years plus the excess. So for anything under about £8 or 900 I would not claim.

It's just not worth paying for it over the next 5 years in larger premiums and the excess.

Also if your sister offers to pay for something then if she doesn't do so, do not step in. Your child would know why.

Not sure why you picked up the bill when you weren't planning to and when your sister has form for it too.
Madness.

Similar thing happened to me and I did claim. My policy rose by about £30 the following year. My excess was £200. My car was only a year or so old at the time, not sure if that makes a difference to cost of policy the following year.

There wasn’t much I could do dd was a university being picked up by her driving instructor who of course wanted paying and dd didn’t have the money and was frantically texting my sister . I do try to avoid situations like this as I know what’s she’s like But it can be difficult she mentioned to dh she needed wiper blades he stupidly offered to order them as she didn’t know which ones and surprise surprise despite saying she would get my mum to go and get the cash she hasn’t paid basically because she hasn’t got the money. She has a long history of things like this but unfortunately despite owing my mum thousands my mum takes her side so it causes family problems and I always end up the bad guy

Sorry I derailed I didn’t start this post to harp on about my toxic relationship with my mum and sister been very expensive few months one way or another and the thought of starting next month £450 down when I thought all extra expenses had been and gone is quite depressing but ultimately
It was my fault a costly one and we can pay it here’s hoping the following month doesn’t have any nasty surprises or extra bills so we can catch up as trying to save up for home improvements and what with one thing and another just feel like we are constantly treading water at the moment