Go Back   English Forum Switzerland > Help & tips > Insurance
Reply
 
Thread Tools Display Modes
  #1  
Old 09.04.2015, 23:53
Newbie 1st class
 
Join Date: Feb 2010
Location: Zurich
Posts: 11
Groaned at 2 Times in 1 Post
Thanked 1 Time in 1 Post
giannisdoe has no particular reputation at present
Scratches on car - Will Insurance pay

Hi all,

few months ago I bought a new car and did a Vollkasko insurance but without Parkschaden.
I park my car in an outdoor private parking spot in front of my house, and one day I noticed some weird scratches on the roof of my car which I am sure I haven't dont myself and have no idea where they came from..
I thought of vandalism but it's a bit weird that they are on the roof and not on the doors..
Apart from this, when driving on the highway, a small rock was cast most probably on the wheels of another car and hit my door leaving a dent..
I was thinking if I can claim money from the insurance for these 2 problems.
I read around and dont have a clear understanding if Vollkasko covers such damages..
Vandalism is covered by Teilkasko but there are some specific things covered like slashing of tires etc but scratches are not in the list..
I was trying to come up of how to present the scratches so I can claim

Can anyone advise on the insurance would pay for such damages and how do I need to present them to raise the probability of claiming the money. For example if I say that I drove under a tree (which would mean it's my fault) would be more effective than saying I dont know how it happened?

Thanks a lot for any suggestions.
Reply With Quote
The following 2 users groan at giannisdoe for this post:
  #2  
Old 10.04.2015, 00:30
Forum Legend
 
Join Date: Nov 2009
Location: Vaud
Posts: 2,900
Groaned at 97 Times in 46 Posts
Thanked 1,932 Times in 921 Posts
Anthony1406 has a reputation beyond reputeAnthony1406 has a reputation beyond reputeAnthony1406 has a reputation beyond reputeAnthony1406 has a reputation beyond reputeAnthony1406 has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

Your first sentence answers your question.

Your last 2 sentences consist of committing a crime called fraud so I will refrain from answering that


A car will get damage driving it. Accept it . Best you can do is keep it polished and waxed and keep her pretty as can be. But you will get damage if you use it.
Reply With Quote
The following 9 users would like to thank Anthony1406 for this useful post:
  #3  
Old 10.04.2015, 08:33
dodgyken's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Democratic Republic Kenistan
Posts: 9,840
Groaned at 340 Times in 276 Posts
Thanked 17,510 Times in 6,686 Posts
dodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

As my MIL found out - unless you have Parkschaden voll-kasko will not pay out for scratches - her car was keyed!
Reply With Quote
  #4  
Old 10.04.2015, 09:32
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 3,759
Groaned at 484 Times in 294 Posts
Thanked 4,017 Times in 1,997 Posts
Today only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

What you need to think about is who pays the insurance premiums ?

The more you try and fraudulent claim, the more the premium rises and thus the more we will all pay as you were too tight to take parking insurance.
Reply With Quote
The following 2 users would like to thank Today only for this useful post:
  #5  
Old 10.04.2015, 09:50
Forum Veteran
 
Join Date: Dec 2014
Location: Geneva
Posts: 1,072
Groaned at 15 Times in 12 Posts
Thanked 1,268 Times in 556 Posts
neddy has an excellent reputationneddy has an excellent reputationneddy has an excellent reputationneddy has an excellent reputation
Re: Scratches on car - Will Insurance pay

The scratches will have been caused by a cat. They like to leap on car rooves. Our windscreen is often covered with cat paw prints.
Reply With Quote
  #6  
Old 10.04.2015, 09:55
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 3,759
Groaned at 484 Times in 294 Posts
Thanked 4,017 Times in 1,997 Posts
Today only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

Quote:
View Post
The scratches will have been caused by a cat. They like to leap on car rooves. Our windscreen is often covered with cat paw prints.
Car paint is NOT that delicate !
Reply With Quote
This user would like to thank Today only for this useful post:
  #7  
Old 10.04.2015, 10:01
dodgyken's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Democratic Republic Kenistan
Posts: 9,840
Groaned at 340 Times in 276 Posts
Thanked 17,510 Times in 6,686 Posts
dodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

Quote:
View Post
Car paint is NOT that delicate !
Depends on the car - some paint (or more importantly the top coat of laquer) can be pretty vunerable - but that is more classic car territory than modern.

However on any "modern" car the top laquer cost is usually pretty resistent to anything a cat is going to throw at it. Regular rubbing against low tree branches might cause it.

It does remind me that I have a scuff on the "toy" to try and buff out this weekend
Reply With Quote
  #8  
Old 10.04.2015, 10:12
sva's Avatar
sva sva is offline
Forum Veteran
 
Join Date: Mar 2010
Location: Villars sur Glāne
Posts: 560
Groaned at 20 Times in 13 Posts
Thanked 385 Times in 193 Posts
sva has a reputation beyond reputesva has a reputation beyond reputesva has a reputation beyond reputesva has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

If your deductible is more than cost of repair? Live with it, or DIY
Reply With Quote
  #9  
Old 10.04.2015, 10:15
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 3,759
Groaned at 484 Times in 294 Posts
Thanked 4,017 Times in 1,997 Posts
Today only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

Change the car maybe ?
Reply With Quote
This user would like to thank Today only for this useful post:
  #10  
Old 10.04.2015, 10:17
dodgyken's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Democratic Republic Kenistan
Posts: 9,840
Groaned at 340 Times in 276 Posts
Thanked 17,510 Times in 6,686 Posts
dodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond reputedodgyken has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

Quote:
View Post
Change the car maybe ?
Is it leased? Is it an X6? How many KMs has it done?
Reply With Quote
  #11  
Old 10.04.2015, 10:48
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 3,759
Groaned at 484 Times in 294 Posts
Thanked 4,017 Times in 1,997 Posts
Today only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

Definitely repeating post N° 9
Reply With Quote
  #12  
Old 10.04.2015, 10:54
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 7,446
Groaned at 96 Times in 76 Posts
Thanked 4,827 Times in 2,766 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

If the car roof gets scratched then try to buy convertible next time. - no roof no problem ...




(Solid advice on the EF )
Reply With Quote
The following 3 users would like to thank jacek for this useful post:
  #13  
Old 10.04.2015, 11:47
Today only's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Europe
Posts: 3,759
Groaned at 484 Times in 294 Posts
Thanked 4,017 Times in 1,997 Posts
Today only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond reputeToday only has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

Quote:
View Post
If the car roof gets scratched then try to buy convertible next time. - no roof no problem ...




(Solid advice on the EF )
Good solid advice Jacek, but you then run into the problem of pussy hair on the hood, any advice for removal ?
Reply With Quote
The following 2 users would like to thank Today only for this useful post:
  #14  
Old 10.04.2015, 11:50
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 7,446
Groaned at 96 Times in 76 Posts
Thanked 4,827 Times in 2,766 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

Quote:
View Post
Good solid advice Jacek, but you then run into the problem of pussy hair on the hood, any advice for removal ?
Sounds like a rather pleasant episode from Langstrasse

Last edited by jacek; 10.04.2015 at 12:07.
Reply With Quote
  #15  
Old 10.04.2015, 11:53
Newbie 1st class
 
Join Date: Mar 2015
Location: Unteraegeri
Posts: 10
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 3 Posts
Roscia has no particular reputation at present
Re: Scratches on car - Will Insurance pay

You would have to have parkschaden coverage with your insurance to be able to cover the repairs. I know this because I have this and just repaired some minor park scratches last week.
Reply With Quote
  #16  
Old 10.04.2015, 12:34
xandeo's Avatar
Senior Member
 
Join Date: Dec 2011
Location: Top right corner
Posts: 270
Groaned at 26 Times in 18 Posts
Thanked 297 Times in 126 Posts
xandeo is considered knowledgeablexandeo is considered knowledgeablexandeo is considered knowledgeable
Re: Scratches on car - Will Insurance pay

My car was badly keyed once and the insurance told me that scratches were not included despite me having Parkschadenversicherung. "So what does it cover?" - "More direct damages, like broken windows, lights, mirrors etc..."

I also have a rather small scratch on my roof - I believe from the previous owner when inflating the tires and simply pulling the hose over the roof to the other side of the car.
Reply With Quote
  #17  
Old 10.04.2015, 13:28
Newbie 1st class
 
Join Date: Mar 2015
Location: Unteraegeri
Posts: 10
Groaned at 0 Times in 0 Posts
Thanked 3 Times in 3 Posts
Roscia has no particular reputation at present
Re: Scratches on car - Will Insurance pay

If you don't know for sure its key scratches then don't present it to the insurance as that. The thing is key scratches is vandalism and certainly not classified as parkschaden (parking damage). If the scratches look like they could have been caused by someones shopping trolley then that is parkschaden.

I had a scratch along the side of my car but had no idea how this happened. It could have been a shopping trolley glanced it or it could also have been somebody passing the car with skii's that touched it.

I just called the insurance and told them I had a parking scratch on the car but didn't know how it happened and it was fine with them.
Reply With Quote
  #18  
Old 10.04.2015, 13:38
Forum Veteran
 
Join Date: Mar 2010
Location: Biel
Posts: 788
Groaned at 35 Times in 28 Posts
Thanked 715 Times in 363 Posts
glinaa has an excellent reputationglinaa has an excellent reputationglinaa has an excellent reputationglinaa has an excellent reputation
Re: Scratches on car - Will Insurance pay

When I buy a car, I make sure it already has some scratches. This way I spare myself the pain when I add some new ones.
Reply With Quote
The following 5 users would like to thank glinaa for this useful post:
  #19  
Old 10.04.2015, 14:27
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 7,446
Groaned at 96 Times in 76 Posts
Thanked 4,827 Times in 2,766 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

Quote:
View Post
When I buy a car, I make sure it already has some scratches. This way I spare myself the pain when I add some new ones.
It's your call (at the end of the day) ...
Attached Thumbnails
scratches-car-will-insurance-pay-image.jpg  
Reply With Quote
  #20  
Old 10.04.2015, 14:32
Forum Veteran
 
Join Date: May 2013
Location: Nyon
Posts: 1,829
Groaned at 61 Times in 33 Posts
Thanked 2,127 Times in 834 Posts
John_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond repute
Re: Scratches on car - Will Insurance pay

Were the scratches not caused by your friend loading skis to the roof rack? Claim from their 3rd party insurance!


I have a 5cm scratch on my roof from same (i think) .. Can i say my wife did it and claim


Tried a tube of black colour DIY repair stuff and it made no real difference. My scratch has gone through to the white underpaint, on a black car it's quite obvious.
Reply With Quote
Reply

Tags
car, insurance, scratches




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Another will Swiss Insurance pay for an Operation in France thread! fatmanfilms Insurance 4 30.04.2013 13:37
If I sell a car right after I pay taxes on it will I get any type of credit? DD8002 Finance/banking/taxation 1 06.12.2010 13:29
Easyjet Flight Schedule Change - will Insurance pay price increase? Dore_84 Insurance 7 17.10.2010 18:02
Will the insurance pay?!! superdude72 Jokes/funnies 1 29.07.2010 12:10
Wanted:Car for sale, will pay cash immediately kickboxer Items wanted 0 28.10.2008 16:28


All times are GMT +2. The time now is 05:10.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0