Horrible Evening Help Needed
#1
Scooby Newbie
Thread Starter
Join Date: Jul 2013
Location: Birmingham
Posts: 14
Likes: 0
Received 0 Likes
on
0 Posts
Horrible Evening Help Needed
Hi Everyone,
This evening at home my car and both my parents cars have been attacked. All the windows on my mums car have been smashed along with my dads, but hes car has also had bodywork damage done. They also went on to my car next and have put the windscreen through and the passenger front and back windows. My Dad caught them running into a black Audi A6.
My Question is I have seven years no claims if i go through my insurance will I loose my no claims. They are not protected and I cant really afford to loose them. If I would could anybody help point me In the direction of a mobile second hand window fitter. Or where I could get decent priced second hand windows as I didn't expect this to happen I haven't got money aside for this.
I live in Birmingham any advice or help would be greatly appreciated the car is a classic 2000 Reg. As you can imagine I'm a little pee'd off but keep calm.
Thanks
Ash
This evening at home my car and both my parents cars have been attacked. All the windows on my mums car have been smashed along with my dads, but hes car has also had bodywork damage done. They also went on to my car next and have put the windscreen through and the passenger front and back windows. My Dad caught them running into a black Audi A6.
My Question is I have seven years no claims if i go through my insurance will I loose my no claims. They are not protected and I cant really afford to loose them. If I would could anybody help point me In the direction of a mobile second hand window fitter. Or where I could get decent priced second hand windows as I didn't expect this to happen I haven't got money aside for this.
I live in Birmingham any advice or help would be greatly appreciated the car is a classic 2000 Reg. As you can imagine I'm a little pee'd off but keep calm.
Thanks
Ash
#2
Scooby Regular
iTrader: (3)
Join Date: Mar 2012
Location: St Helens
Posts: 786
Likes: 0
Received 0 Likes
on
0 Posts
Sounds like you / your family have some enemies.
Check your policy to see if you have windscreen protection and check the terms.
I think you will have to have the door windows done by an independent garage though - may be worth trying to find a couple of complete doors cheap in the same colour?
Check your policy to see if you have windscreen protection and check the terms.
I think you will have to have the door windows done by an independent garage though - may be worth trying to find a couple of complete doors cheap in the same colour?
#3
You may well find that NCB is not what it used to be.
Mine is not protected and when I made a claim a while back, they did not take it away.
Also you might find that the next time you renew, you can shop around and it wont cost you so much - have a chat with your insurance company - they do actually want to retain your custom.
Your loss has not been caused by you driving like a **** - which with associated third party exposure to them, is their main concern when it comes to assessing you as a risk - not a few broken windows and bent panels!
Mine is not protected and when I made a claim a while back, they did not take it away.
Also you might find that the next time you renew, you can shop around and it wont cost you so much - have a chat with your insurance company - they do actually want to retain your custom.
Your loss has not been caused by you driving like a **** - which with associated third party exposure to them, is their main concern when it comes to assessing you as a risk - not a few broken windows and bent panels!
#5
Scooby Regular
iTrader: (1)
Join Date: Mar 2013
Location: Wilts
Posts: 1,123
Likes: 0
Received 0 Likes
on
0 Posts
If you have glass cover and there is no panel damage then you should be ok to claim for glass cover and not affect your ncb.
also its worth mentioning that you just pay the excess once, so if you have all new glass done at the same time then your will pay once, if you do one window at a time you will pay an excess for each.
good luck getting the all the glass out! what a bunch of c*nts!
also its worth mentioning that you just pay the excess once, so if you have all new glass done at the same time then your will pay once, if you do one window at a time you will pay an excess for each.
good luck getting the all the glass out! what a bunch of c*nts!
#6
Scooby Regular
Join Date: May 2006
Location: Secretly saving for another Blobeye STI. Crystal Grey. Widetrack
Posts: 1,985
Likes: 0
Received 0 Likes
on
0 Posts
It might be worth calling your insurers and asking them if your NCB would be affected if you were to claim. They may say no. If they say no you should be ok. If they say yes, ask them how much will it be affected. Will they knoock off 2 years? 3? 4? Usually if they do knock any off its 2 years. If you have maximum NCB which usually tops out at 7 years you are lookiing at probably ending up with 5 years remining. Ask them by how much your premium will increae if you were to claim and lose part of your NCB and work out if it is worth losing those two years.
Naturally if the cost of new glass plus fitting comes in at a lower cost then go down that route. If losing 2 years NCB is lower then that is the better route to go down.
The best advice is to ask ask ask. then act.
Good luck. Nobody deserves having their car attacked. If someone has a problem they should sort it out face to face.
Naturally if the cost of new glass plus fitting comes in at a lower cost then go down that route. If losing 2 years NCB is lower then that is the better route to go down.
The best advice is to ask ask ask. then act.
Good luck. Nobody deserves having their car attacked. If someone has a problem they should sort it out face to face.
Last edited by Dan W; 13 November 2013 at 09:21 AM.
Trending Topics
#11
Scooby Newbie
Thread Starter
Join Date: Jul 2013
Location: Birmingham
Posts: 14
Likes: 0
Received 0 Likes
on
0 Posts
Hi Guys,
Thank you for the help and advice, I have only just finished cleaning up all the glass both my parents cars. They have been taken for repair and I wont loose my no claims and will only have to pay a £75 excess. Which is good news they will be hear tomorrow to fit the glass. The bear at the front of house sounds a good idea.
I cant go into much but this looks as though it stems from the same ex employee that attacked the night shift guys where I work. They seem to have a vendetta against the two directors one of which is my dad.
We have a security company coming to look at fitting CCTV as the last thing any of us want is this to go further.
Thanks again
Ash
Thank you for the help and advice, I have only just finished cleaning up all the glass both my parents cars. They have been taken for repair and I wont loose my no claims and will only have to pay a £75 excess. Which is good news they will be hear tomorrow to fit the glass. The bear at the front of house sounds a good idea.
I cant go into much but this looks as though it stems from the same ex employee that attacked the night shift guys where I work. They seem to have a vendetta against the two directors one of which is my dad.
We have a security company coming to look at fitting CCTV as the last thing any of us want is this to go further.
Thanks again
Ash
#14
Scooby Regular
Join Date: May 2006
Location: Secretly saving for another Blobeye STI. Crystal Grey. Widetrack
Posts: 1,985
Likes: 0
Received 0 Likes
on
0 Posts
That is good to hear Ash.
Perhaps you can look at putting your car some distance from you house so it doesnt get targetted in future.
Perhaps you can look at putting your car some distance from you house so it doesnt get targetted in future.
#15
Scooby Regular
Join Date: Aug 2001
Location: Warrington
Posts: 4,554
Likes: 0
Received 0 Likes
on
0 Posts
Will they knock off 2 years? 3? 4? Usually if they do knock any off its 2 years. If you have maximum NCB which usually tops out at 7 years you are lookiing at probably ending up with 5 years remining. Ask them by how much your premium will increase if you were to claim and lose part of your NCB and work out if it is worth losing those two years.
Naturally if the cost of new glass plus fitting comes in at a lower cost then go down that route. If losing 2 years NCB is lower then that is the better route to go down.
Naturally if the cost of new glass plus fitting comes in at a lower cost then go down that route. If losing 2 years NCB is lower then that is the better route to go down.
Thread
Thread Starter
Forum
Replies
Last Post
Uncle Creepy
Other Marques
43
27 December 2015 04:02 PM
imacleverdick
Wheels, Tyres & Brakes
4
18 September 2015 12:15 AM
robbie1988
Wanted
2
13 September 2015 09:25 AM