Kids threw rocks at my Kodiaq and dented bonnet

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FoxtrotAlpha
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Re: Kids threw rocks at my Kodiaq and dented bonnet

Post by FoxtrotAlpha » Sun May 05, 2019 9:47 pm

DrMatt wrote:
Sun May 05, 2019 8:45 pm
Thanks all. I will try contacting the school for an amicable settlement on Tuesday. Otherwise I will have to let the insurance company deal with it. I don’t want to let this go out of principle. I would much rather not have a claim on my insurance but if that’s the only way...
A noble statement but for the sake of maybe £120 it maybe not worth claiming on your insurance.
It's a 'Kodiaq' and not a 'Bear' unless you are 5 years old.
Kodiaq Sportline - 150 TDI - DSG 4 x 4 - Quartz Grey


H2UBS
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Re: Kids threw rocks at my Kodiaq and dented bonnet

Post by H2UBS » Mon May 06, 2019 5:54 am

Interesting views posted here on who to blame and who should take responsibility for your upset and inconvenience.

How about the little sh*sters who through the rocks and/or their parents. This is an act of criminal damage and if they're allowed to get away with it without any lessons learnt then they will do it again. If you go down the insurance company route they will recognise it as a crime and probably want you to report it to the police for a 'crime number' in any case.
2.0 tdi SE L 4x4 190 DSG, 5 Seats, Business Grey, dark Alcantara, Triglavs, tow bar. Delivered 15th Sept.


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Old and Grumpy
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Location: Leicestershire

Re: Kids threw rocks at my Kodiaq and dented bonnet

Post by Old and Grumpy » Mon May 06, 2019 7:08 am

H2UBS wrote:
Mon May 06, 2019 5:54 am
Interesting views posted here on who to blame and who should take responsibility for your upset and inconvenience.

How about the little sh*sters who through the rocks and/or their parents. This is an act of criminal damage and if they're allowed to get away with it without any lessons learnt then they will do it again. If you go down the insurance company route they will recognise it as a crime and probably want you to report it to the police for a 'crime number' in any case.
And why should your insurance be affected? You are blame free. The school's insurers are liable and your NCB will not be affected.
2018 Kodiaq SE 1.4 TSI, 2WD, manual gearbox, 5 seater, Petrol Blue, absolutely standard, no extra toys, (92Kw more than enough for my needs), Leicestershire. :D


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Colin Lambert
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Re: Kids threw rocks at my Kodiaq and dented bonnet

Post by Colin Lambert » Mon May 06, 2019 9:17 am

Old and Grumpy wrote:
Mon May 06, 2019 7:08 am
H2UBS wrote:
Mon May 06, 2019 5:54 am

And why should your insurance be affected? You are blame free. The school's insurers are liable and your NCB will not be affected.
These day the insurance companies are likely to increase you premium at fault or not.
Apparently figures show that if you have one claim it is highly likely that you will have one or two more in the same year. Personally I think this is a load of goolies! I do however know of three or four peeps who had 'no fault' claims and had their premiums increased the following year, more than by the cost of living.

Frankly I would NOT involve your insurance for this small amount It is most unlikely that your excess will be less than the amount quoted and therefore, having been all through the aggro of involving them , they won't give you a penny!
ModeratorEdition .1.5DSG. Petrol Blue. S/s spare, Cream leather KAROQ. :shock: EX Kodiaq SE L1.4 DSG.
Diploma in Automotive Engineering.
Retirement is wonderful, it's doing nothing without being caught out! :lol:
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Old and Grumpy
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Location: Leicestershire

Re: Kids threw rocks at my Kodiaq and dented bonnet

Post by Old and Grumpy » Mon May 06, 2019 9:23 am

Colin Lambert wrote:
Mon May 06, 2019 9:17 am
Old and Grumpy wrote:
Mon May 06, 2019 7:08 am
H2UBS wrote:
Mon May 06, 2019 5:54 am

And why should your insurance be affected? You are blame free. The school's insurers are liable and your NCB will not be affected.
I do however know of three or four peeps who had 'no fault' claims and had their premiums increased the following year, more than by the cost of living.
So be a "loyalty whore" and shop around at renewal using the comparison websites. I do this EVERY year and I have always managed to beat the current insurer's renewal quote, even after declaring a no fault claim in the previous year. Now that it can all be done on-line it's as easy as sticking with the same insurer.
2018 Kodiaq SE 1.4 TSI, 2WD, manual gearbox, 5 seater, Petrol Blue, absolutely standard, no extra toys, (92Kw more than enough for my needs), Leicestershire. :D


FoxtrotAlpha
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Re: Kids threw rocks at my Kodiaq and dented bonnet

Post by FoxtrotAlpha » Mon May 06, 2019 9:44 am

Here’s a direct quote from confused.com:

“Will a non-fault accident affect my insurance?

Let’s tackle one thing first. ‘Non-fault’ accidents and ‘non-blame’ accidents aren’t always the same thing.

‘Non-fault’ refers to when your insurer is able to reclaim the cost of the claim from someone else. If they can’t – regardless of who was to blame - it counts as a fault claim.

Even if you have a non-fault claim, you might see your insurance premium go up at your next renewal. Why is this?

Based on years’ worth of insurance data, insurers have seen there’s an increased risk of someone making a fault claim if they’ve previously had a non-fault claim.

Given that insurance pricing is closely related to risk, you may find next year’s insurance quote to be a little higher”.


That would suggest that even if the damage is done by someone else and you were not at fault, if they cannot recover the cost of repair and their costs then it can be held against you as a fault claim and your premium can be affected.

I don’t trust insurance companies, they do not have your best interests at heart and are purely profit driven. They work off the principal that you cannot legally drive on the road without them so it’s not a nice to have. Over the years I have dealt with insurance companies I have never been satisfied with the service I received even with a no-fault accident. The third party insurance company (Admiral) tried every dirty trick in the book to threaten and intimidate me.
It's a 'Kodiaq' and not a 'Bear' unless you are 5 years old.
Kodiaq Sportline - 150 TDI - DSG 4 x 4 - Quartz Grey


ChrisL
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Re: Kids threw rocks at my Kodiaq and dented bonnet

Post by ChrisL » Mon May 06, 2019 10:29 am

H2UBS wrote:
Mon May 06, 2019 5:54 am
Interesting views posted here on who to blame and who should take responsibility for your upset and inconvenience.

How about the little sh*sters who through the rocks and/or their parents. This is an act of criminal damage and if they're allowed to get away with it without any lessons learnt then they will do it again. If you go down the insurance company route they will recognise it as a crime and probably want you to report it to the police for a 'crime number' in any case.
Stones today.... knives tomorrow.

When I was a kid growing up in London we did what the Police told us without question. Over the past 20 years kids respect for anyone has been gradually watered down by our lilly-livered liberal society.
Petrol Blue 2.0TDi 190ps DSG 7 seat Edition with black leather, front/rear parking sensors, heated front windscreen/washer jets, ventilated seats, adaptive cruise control, traffic sign recognition, driver personalisation and rear view camera.


DaveM
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Location: West Midlands

Re: Kids threw rocks at my Kodiaq and dented bonnet

Post by DaveM » Mon May 06, 2019 12:56 pm

All this talk of “no fault” claims is nonsense. The question is whether you did or didn't make a claim. If you did, that can affect both your no claims bonus (because you no longer have “no” claims!j and the premium, because you now have a proven track record of having things happen that result in a claim.
Kodiaq 1.4 DSG SEL 5-seat, capuccino, beige leather, rear camera, front sensors, triglavs, tow hook.


DrMatt
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Location: Lincolnshire

Re: Kids threw rocks at my Kodiaq and dented bonnet

Post by DrMatt » Mon May 06, 2019 5:06 pm

It’s all so depressing. Even protected no claims won’t stop your premium going up if you declare a claim in the last 5 years.
Ordered in September 2018; collected 18th December. 1.5TSi ACT DSG Edition in Black Magic (the one true colour!) with Virtual Pedal. What a beast!! Why did I waste 20 years of hard earned cash on Audis?


SkodaVRS1963
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Location: Bath

Re: Kids threw rocks at my Kodiaq and dented bonnet

Post by SkodaVRS1963 » Mon May 06, 2019 5:26 pm

It's very simple (I used to work in the insurance industry).

Your gross premium for 2018 is £1,000 but you have 60% NCD (protected)......net premium is therefore 40% of £1,000 = £400.

You make a claim between 2018-2019 so you are therefore deemed to be more of a risk.

Your gross premium for 2019 will therefore be, say, £1,500 but, thankfully, you have protected your NCB so the 60% still applies......your net premium is therefore 40% of £1,500 = £600.

So your insurance premium rises by £200 (50%) because of the claim.

Thank goodness for NCB protection eh?
Kodiaq VRS 2019 build, velvet red paint, heated windscreen, heated steering wheel


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