Scraped my front bumper........My fault, no excuse. It through the paint but no panel or other damage. Should I claim an insurance repair, and if so what if any are the repercussions? I am not interested ina third party repair as I know these are strictly against policy.
Would just like a rough idea what I might let myself in for if I make a claim.
Thanks.
Here's the ruling
Wear and tear
Over the course of your agreement, we know that your car will show some signs of use. We want you to enjoy using your car so your Motability car comes with a "fair wear and tear policy". This means that wear and tear in line with a three year old car or unavoidable minor damage caused by a wheelchair or other mobility aid will be accepted as general wear and tear. Such general wear does not need to be repaired before returning your car at the end of the contract. However, to keep costs low for all our customers, cars that are returned seriously damaged to a degree which may affect re-sale value will be subject to damage payments. Plus if you return your car in a good condition at the end of your lease and have not made any insurance claims you may be eligible for a £250 bonus.
Off the record . . . if you think it needs a bit of a respray on the damaged section and you want to put it through RSA's insurance remember this
- you have to pay the first £70
- you will loose your £250 good car bonus
- the insurance claim counts against you. Claiming for a scratch logs up as many points against your insurance record as does you writing your car off! Three strikes and you might be asked to leave the lease hire scheme.
What I've done in the past - taken my car to a local one-man-band car sprayer - first class! Left him the car for the day and cost about £28. Paint sprayer took me to the tram.
thanks lighttouch, fair advice there......... probably best course to take........
You won't lose the £250 good condition bonus if you claim on the insurance, Motability changed the rules on this a few years ago.
Thats interesting................ where can I get exact details of how this works? Sounds promising. Thank you
Go on Motabilitys web site and look for FAQs.
Searched high and low, motability and RSA sites........ no mention of good condition payment and a claim.........Any further clues most welcome.
Try here:
http://www.motability.co.uk/cars-and...ondition-bonus
In one of the paragraphs it mentions that you may be entitled to the bonus, even if you make a claim.
Here you go Stree :
"Eligibility
When you hand back your car at the end of the lease, your dealer will take a photo and brief description of the car's condition. We know that over the course of your lease your car may show signs of wear and tear including minor scratches, dents or damage caused by wheelchairs or other mobility aids. However, if your car shows no sign of serious damage, you could be eligible for the bonus. You may still be entitled even if you have made an insurance claim or have a car on a low mileage lease extension. Please be aware if you have ended your agreement early, you will not be eligible for the bonus."
http://www.motability.co.uk/cars-and...ondition-bonus
BTW I recommend you use a Smart Repairer. the cost will be similar but you'll have a perfect insurance record.
Try 'ChipsAway' at www.chipsaway.co.uk I used them on my previous vehicle which had some minor bumper scratches and some larger scratches on one of the rear doors caused by damage from my wife's wheelchair. They were excellent. They are a national franchise operation and there should be one near you. The repairs were carried out on my drive!
The repairs cost £200 but I decided this was a better option than claiming on the RSA insurance as I would rather keep an unblemished record.
Caring is an art not a science
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