Hi,
My daughter is a named driver on my car and hit the bumper of a car in front of her while stopping at lights about two weeks ago. She only has a provisional license(2nd one while awaiting her test) so I was reluctant to go through the insurance. I agreed with the driver to cover the cost of repairs. He sent a quote from the garage for 800 euro and my daughter paid him.
We agreed that this would be the final settlement but we didn't get it in writing....I know, I know...we should have.
He has now come back to say the garage found on removing the bumper that he would need a new bumper and is looking for another 250 euro.
My excess is 250 euro so I am wondering should she request the cheque back and go through my insurance for the bal. of 800. I have the insurance through a broker and he tells me that he has no idea how this will affect the cost of the insurance on renewal apart for losing 30% of my NCB. I am more concerned that if I make the claim my daughter will find it difficult to be included as a named driver should I change companies in the next few years. It appears most companies will not take on anyone who has made a claim in the last 3 or 5 yrs.
My question is, does anyone know whether it is worth while making the claim?
My daughter is a named driver on my car and hit the bumper of a car in front of her while stopping at lights about two weeks ago. She only has a provisional license(2nd one while awaiting her test) so I was reluctant to go through the insurance. I agreed with the driver to cover the cost of repairs. He sent a quote from the garage for 800 euro and my daughter paid him.
We agreed that this would be the final settlement but we didn't get it in writing....I know, I know...we should have.
He has now come back to say the garage found on removing the bumper that he would need a new bumper and is looking for another 250 euro.
My excess is 250 euro so I am wondering should she request the cheque back and go through my insurance for the bal. of 800. I have the insurance through a broker and he tells me that he has no idea how this will affect the cost of the insurance on renewal apart for losing 30% of my NCB. I am more concerned that if I make the claim my daughter will find it difficult to be included as a named driver should I change companies in the next few years. It appears most companies will not take on anyone who has made a claim in the last 3 or 5 yrs.
My question is, does anyone know whether it is worth while making the claim?