Calling Insurance experts

vRSG60

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I park my car on the back street behind my house. Directly next door to me is a church, attached to my house.
Due to the width of the back street I park my car further down from my house next to the church.
The back street is classed as a road.
A piece of pointing has slid down the church roof onto the roof of my car and dented it.
I’ve told the priest who has informed the diocese.
They now say they want to go through insurance!
This will affect me for years on my car & bike policy.
I’m not going down that route. Can I insist they don’t? Or is it insurance or nothing?

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Why would it affect your insurance, it’s not an accident?. I would have thought the repair could be arranged through their insurance and they settle the bill. Nothing for your insurance to do. If some one else had caused it and agreed to pay cash for the damage would you tell your insurance?
 
Non fault claim,

What are you worried about, if they have admitted liability and want to sort that way? #

or is there something you not telling?? ;)
 
TBH that damage looks so insignificant fromn the photos its probably a job that someone like chips away could do for a couple of hundred quid which seems rather daft for them to involve their insurers
 
Is this a serious post ??

I'm GUESSING that the car isn't (say) an Aston Martin (if it was I would be a TINY bit miffed) ??

A scratty little bit of paint and we're off with insurance claims etc......:confused:......
 
Is this a serious post ??

I'm GUESSING that the car isn't (say) an Aston Martin (if it was I would be a TINY bit miffed) ??

A scratty little bit of paint and we're off with insurance claims etc......:confused:......

The roof is dented.


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Get a quote from one of the bods who specialise in smart repairs, present the quote to the Vicar and see what unfolds?
 
If they want to go trough insurance it’s their insurance and will not affect you. Of course if you really want to play dirty get the health and safety involved because it’s a unsafe building. I presume your not parking there anymore. Seriously how much is your car worth? It’s hard to see the size of the dent relative to the roof of the car but relative to the finger it’s tiny. Someone is trying to make a mountain out of a molehill. You can’t insist that they don’t involve their insurance because that’s exactly why they have insurance. Seriously if it was me I wouldn’t bother. If the car is on pcp it’s a different matter. JJH
 
If a vehicle related claim goes via motor insurance yes it may be non blameworthy claim ,BUT. It is a claim non the less.

It will not as such effect your no claims bonus , however , it may well lead to an increase in premiums because you automatically become a higher risk as you have made a claim even though it was through no fault of your own.

A mate moves his daughters car off the drive and parks it in a bay across the street whilst he gets out his bike and whilst he is sorting out the bike a neighbour reverses out her drive and across the road into the car causing damage.

Neighbour insists on going via insurance and despite having protected no claims when renewal time is due month or so later my mates daughters premiums rise significantly due to a loading being put on the policy as she is now perceived as a greater risk of having further claims.

At the time of the incident she was over 30 miles away at work, but it gets worse because as my mate was a named driver on her policy and moved the car prior to the accident he has to declare it . His no claims is not effected but at renewal time a loading is put on his car and bike policies as he is now statistically deemed to be a greater risk.

So if the claim goes via motor insurance you risk higher premiums, however, in this case it may well be via the churches buildings policy and so technically it is not a motor claim and should not need to be declared.

Ofcourse the caveat here is that as we know all insurance companies are cnuts
 
Exactly as Neil has said above. Despite you not driving your car or even being in it at the time the damage was caused to it, you are talking about making a claim from another, therefore you will not lose your NCB but you will find that for the next five years your premiums will be increased on your bike and car.

Insurance companies will put the squeeze on you in any way they can.
 
Is this a serious post ??

I'm GUESSING that the car isn't (say) an Aston Martin (if it was I would be a TINY bit miffed) ??

A scratty little bit of paint and we're off with insurance claims etc......:confused:......

It doesn’t matter what make of car it is, if the damage isn’t put right, rust will develop, the surrounding paint will start to bubble and lift and it’ll look a right mess.
 
We want to claim for anything these days. You want to claim from a church:blast
Put it down to experience.

So on this basis, if you were ever involved in an RTC and while exchanging details you discovered the other driver was a man of the cloth, you’d decline their insurance details, tell them not to worry, tell them you’ll pay for the repairs to your own vehicle even though they were responsible and simply put it down to experience? Don’t make me laugh.
 
Windscreen on my car was cracked by a stone from a passing truck , enquired about it with broker as I had free windscreen cover that did not effect no claims, I had to use the repairer they recommended and I specifically enquired as to whether it may incur a loading on my renewal and the answer was that with my insurer the answer was yes as it was a claim.

Decided to bite the bullet and pay myself £200 cash from a local firm who admitted that if it was via the insurance the bill would have been £ 500 plus.

My VW was insured with the same broker and insurance company and when the renewal was due a few months later it had gone up over £200, when queried it was because I had reported being involved in an incident and although no claim was made it made me a greater risk.

Told them ( Swintons ) to FRO, as I had never actually claimed and went elsewhere , when I took out the insurance with another broker ( Hastings Direct ) they stated that as no claim was made it was irrelevant in calculating premiums BUT it was not unusual to ramp up premiums with a loading if a claim was made even on your free windscreen cover
 
few months later it had gone up over £200, when queried it was because I had reported being involved in an incident and although no claim was made it made me a greater risk.

Similar happened to me.
The “non fault” thing is not real if applied to UK motor insurances, as they do as the please.

Also: agree with the rest. Incredibly small dent. Unless the car is brand new, just get it fixed on your own. Easier.
 
Unless the car is brand new, just get it fixed on your own. Easier.

I clipped the rear wing on my car, leaving two fairly long scrapes - probably 20x the size of the OP's damage. Paid a local mobile repairer around £200 to fill the dings and repaint - did it in the car park at work. He made the repair with rattle cans and a blow torch. Once finished and polished the repair was invisible.
 


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