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So living in London has its perils. Some w@nker has clipped my front wing while the car was parked on the street at home and done a runner.

I anticipated that something like this would eventually happen so its no great surprise, after all this is London.

I have reported it to the police for their records but and its a big but....

If I call my insurance company and tell them about it to discuss options and I choose not to use them will the fact that my car was damaged even though I have not claimed affect my premium?

This is not as daft a question as it sounds as the level of risk profiling with Insurance companies is through the roof and I am wondering that if they now consider my car at risk in the area they will just tweak my profile a little even though I never claimed.

Any thoughts, experience?

Cheers and death to scum with zero morals.

1. Fix it yourself.
2. Don't inform the insurance front bottoms.
3. Profit.


EDIT: Where in Lunduuun are you mate?

bam_bam wrote:1. Fix it yourself.
2. Don't inform the insurance front bottoms.
3. Profit.


EDIT: Where in Lunduuun are you mate?

I estimate that I am staring down the barrel of approx £1800 judging by what my estimate for a front respray was and adding some labour etc on for pulling the dent from an Ali wing.

I reckon that my premium could rise £800 by doing a random insurance comparison...but that is never a given, hence wanting to call the Insurance company but I think you may be right and I may have to gamble and pay out myself......its a bastard thats for sure.

South West London mate, basically Wandsworth.

Don't tell the insurance co unless your going to claim.It can be classed as a loss even if you don't claim,so if you fail to declare it at renewal time, you may find your insurance is void should you make a claim in the future.

£1800?!?!?! Did you tell them your name was Peekingprawn, WTF? I know a man that would do a very very good job. It couldn't be that much. It just could nae.

bam_bam wrote:£1800?!?!?! Did you tell them your name was Peekingprawn, WTF? I know a man that would do a very very good job. It couldn't be that much. It just could nae.

Thats the sort of thing I want to hear! I was going to get the front end stone chips taken out a few months ago and they reckoned around £1100 (two wings, bonnet, front bumper plus prep) The dent is pretty minor about the size of a cricket ball but who knows about whats behind it in terms of wing alignment etc etc.

Lofty? What if I already told the Rozzers and they have given me a reference? Can the insurance company call this up and demand details?

RSKiwi wrote:What if I already told the Rozzers and they have given me a reference? Can the insurance company call this up and demand details?

That doesn't sound likely IMHO.

They only know what you tell them, they log everything on there shared systems now.

lofty wrote:They only know what you tell them, they log everything on there shared systems now.

I take it you mean the insurance companies log everything and they dont share with the police just each other unless you tell them otherwise?