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Old 16.06.2020, 14:59
John_H
 
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Whats the car insurance claim sweet spot?

If there is such a thing..

I've never claimed here before.. But I broke my wing mirror, I hit an object at the side of the road avoiding a bus which was taking up half my side..

Anyways .. Garage said it'll be 1k chf, they can deal with the insurance, I'll have a couple of hundred franchise to pay.

Is there a point where it's best just to pay to avoid increase next year? Does it make any difference to a non habitual claimer?
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  #2  
Old 16.06.2020, 15:02
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Re: Whats the car insurance claim sweet spot?

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If there is such a thing..

I've never claimed here before.. But I broke my wing mirror, I hit an object at the side of the road avoiding a bus which was taking up half my side..

Anyways .. Garage said it'll be 1k chf, they can deal with the insurance, I'll have a couple of hundred franchise to pay.

Is there a point where it's best just to pay to avoid increase next year? Does it make any difference to a non habitual claimer?
Sounds a lot for a mirror, I suspect you can get if fixed for less than the excess, eBay is your friend. I would never dream of claiming for such a small thing, have 3 claims & you will have trouble getting insurance at any price.
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Old 16.06.2020, 15:10
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Re: Whats the car insurance claim sweet spot?

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Sounds a lot for a mirror, I suspect you can get if fixed for less than the excess, eBay is your friend
Yes, this is almost certainly the best route to go.

As well as the excess you'll also get a raised premium for the next year or two - your insurance company will inform you of how much, so you need to factor that in as well.

I made a claim recently, first time in ten years or more, for damage I caused to another vehicle (parked, in the Landy, solid steel bumpers and no reversing censors). Wasn't much damage, but the estimate of 1500 compared with my excess of 600, +100/yr for four years, went enough over the tipping point to be worth making a claim.

Had it been my own vehicle I would have sourced the parts second-hand and got the slight paint damage repaired much more cheaply, so it would certainly not have made sense to claim.
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Old 16.06.2020, 15:20
John_H
 
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Re: Whats the car insurance claim sweet spot?

Normally I would have a go.. But the car is just one year old, kinda feels like I should have it done properly.. The mirror got totally smashed, the whole unit plus a plastic trim on the door where the mirror swung and hit that too.
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Old 16.06.2020, 15:25
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Re: Whats the car insurance claim sweet spot?

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Normally I would have a go.. But the car is just one year old, kinda feels like I should have it done properly.. The mirror got totally smashed, the whole unit plus a plastic trim on the door where the mirror swung and hit that too.
If you don't want to do it yourself just call a few garages (including across the border), 1.000,- sounds like incredible much for a mirror even if it would need painting.
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Old 16.06.2020, 15:34
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Re: Whats the car insurance claim sweet spot?

It cost me CHF 350 to have the mirror housing replacing replaced on my car at the Mercedes main dealer. Nothing else needed doing (no paint, no electrics, no glass) - just attaching the new piece of plastic.

It looked like the part would have cost €100 from a motor factor, if I could have found one in stock. Couldn‘t find anything on eBay. I‘m sure it would have been cheaper to go to Germany, but the inconvenience and petrol (at 13l/100km) wasn‘t worth the hassle.

Regarding insurance, when I last asked for a new quote, they told me that you get one „pass“ every 5 years. My pass cost my former insurer about CHF 100k and they were happy to quote at a reasonable level, but had some non-related clauses that I wasn‘t happy about (regarding insurance abroad), so went elsewhere.

My insurance also includes protected no claims bonus. Maybe worth checking if you have it too?
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Old 16.06.2020, 16:05
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Re: Whats the car insurance claim sweet spot?

If you have Parkschaden included in your insurance it will not cost you anything. Just give your car to the garage and it will be taken care of.
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Old 16.06.2020, 16:12
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Re: Whats the car insurance claim sweet spot?

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If you have Parkschaden included in your insurance it will not cost you anything. Just give your car to the garage and it will be taken care of.
How will that cover it given that he said he was driving the car at the time the damage occurred?
Are you encouraging him to lie to the insurance company?


As others have said it would be worth the OP checking his policy to see if he has a protected no claims.
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  #9  
Old 16.06.2020, 16:32
John_H
 
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Re: Whats the car insurance claim sweet spot?

I had a quick look on ebay etc.. Seems to be nearly 300gbp for a used mirror assembly for my year with "some scratches but working" . Basically all of the pieces were broken.. Plus the plastic trim piece on the door plus the main dealer labour to fit it.. (1.5 hours) ..

So although it's expensive for sure, it doesn't look like a "rip off" ..

Neither garage nor insurance actually asked what happened

In terms of the insurance, I have everything incl parking and protected no claims.
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Old 16.06.2020, 22:17
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Re: Whats the car insurance claim sweet spot?

What kind of car do you have? I’m a mechanic working in a garage and could give a quote and I can help well since I’m English speaking (Australian)
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Old 16.06.2020, 22:29
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Re: Whats the car insurance claim sweet spot?

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What kind of car do you have? I’m a mechanic working in a garage and could give a quote and I can help well since I’m English speaking (Australian)
Well i already went down the dealer route this time .. It's a 2019 Mini Cooper S Countryman ALL4.. F60.

Would be cool to know though, dealer price vs another garage.. 967.35 dealer price.. 1.5 hours labour.

I washed it today and found a tiny dent in the door, probably another car who hit me with their door, like if you jabbed a pen into the door small .. Will be in the market to get that fixed next..
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Old 16.06.2020, 22:37
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Re: Whats the car insurance claim sweet spot?

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I washed it today and found a tiny dent in the door, probably another car who hit me with their door, like if you jabbed a pen into the door small .. Will be in the market to get that fixed next..
Paintless dent repair can remove quite big dents, yours sounds very small & easy.
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Old 16.06.2020, 22:40
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Re: Whats the car insurance claim sweet spot?

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Sounds a lot for a mirror, I suspect you can get if fixed for less than the excess, eBay is your friend. I would never dream of claiming for such a small thing, have 3 claims & you will have trouble getting insurance at any price.
John_H's mirrors are Lalique glass studded with Swarovski crystals.
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Old 16.06.2020, 22:48
John_H
 
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Re: Whats the car insurance claim sweet spot?

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Paintless dent repair can remove quite big dents, yours sounds very small & easy.
Let me know if you know a place..

It's tiny.. But it's pointy.. If that makes sense..
The whole dent is half the size of a 5c coin but it looks like it was made by a sharp pointy thing .. So not possible to suck it out like a big dent i assume..
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Old 17.06.2020, 09:41
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Re: Whats the car insurance claim sweet spot?

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Let me know if you know a place..

It's tiny.. But it's pointy.. If that makes sense..
The whole dent is half the size of a 5c coin but it looks like it was made by a sharp pointy thing .. So not possible to suck it out like a big dent i assume..
I tried google & I found a place in Lausanne, sure there will be plenty of others. I am sure they can deal with your dent.
https://www.pdr-quality.com/en-1-accueil-slider-3.html

This is my wife's Fiat 500, 6 dents removed in 1.5 hours to give you some idea, in Malta, but the process is the same.
https://www.facebook.com/DentFixMalt...65205793972166

Dent on the Audi took 45 minutes https://www.facebook.com/DentFixMalt...65203380639074

Last edited by fatmanfilms; 17.06.2020 at 09:54. Reason: Added Audi
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Old 17.06.2020, 12:04
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Re: Whats the car insurance claim sweet spot?

If you have bonus protection you can claim for no cost of next year

Then you only have to worry about the next time you ask for an offer, as they'll ask of claims in past 5 years.

Still 1k for a Mini mirror, they're taking you for a ride, and part of the reason why insurance is expensive in CH. People just claim, little incentive to challenge the price when someone else picks up the tab, and then we all get hosed...
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Old 17.06.2020, 20:29
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Re: Whats the car insurance claim sweet spot?

Mrs Parker whacked the mirror on her car so hard that just the mounting point and some bare wires survived - the rest was in around 1,000 pieces.



“Not to worry love, accidents happen” I said and took the car up to dealership for a new one. Expecting a bill of 350-400 chuffs I was presented with an invoice of 1,300!!! Apparently a mirror isn’t just a mirror any more. It’s a electromagically controlled, auto dimming, heated mirror with a kerb downlighter, an indicator, a lane assist sensor and a retraction mechanism.
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Old 17.06.2020, 20:35
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Re: Whats the car insurance claim sweet spot?

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“Not to worry love, accidents happen” I said and took the car up to dealership for a new one. Expecting a bill of 350-400 chuffs I was presented with an invoice of 1,300!!!
It was at this point, that Mrs. Parker was introduced to the marvels of public transportation.
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Old 17.06.2020, 21:28
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Re: Whats the car insurance claim sweet spot?

In Mrs Parkers' defence, she's driven down that road daily for 6 years and only ever hit the wall once.
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Old 17.06.2020, 21:34
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Re: Whats the car insurance claim sweet spot?

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In Mrs Parkers' defence, she's driven down that road daily for 6 years and only ever hit the wall once.
Once in 6 years and she bakes an apple pie to die for? You've got a real winner there with Mrs. Parker.
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