Ax Vandalised - To Claim, Or Not To Claim?

[SamWise1972]

Last night, some charming individuals gave my AX a kicking. They've stoved in the window on the drivers side, battered both doors that side so that they won't open, and destroyed both mirrors. Here's the rub - I was going to scrap it next week anyway. The insurance will only pay out abourt £200, since that's all the car was worth (they're bound to write off a £200 car for that sort of damage). This was a new policy last year (second car), so I only have 1 year's no claims; my premium this year is £225. If I report it and claim, I'll get £200 back, lost a year's no claims, but will they also reassess my risk based on this vandalism? If that's the case, I'm better off just quietly scrapping it as planned. Any thoughts?

[David Hallworth]

Whats the excess on the policy?

If you've got a reasonable excess it might not be worth declaring a claim on next years insurance if your only going to make a couple of quid from it.

D

[demag]

Bad luck Sam,

Doesn't it make you want to break their fingers, slowly and one at a time. I had a Volvo written off once when someone torched it. As the value was similar to your AX I didn't claim but I think my no claims was greater than yours. So I don't really know what to say. Thinking about it I would go the scrapyard route. But that's just my opinion.

[SamWise1972]

That's what I'm going to do, but yes, I could break their legs. Slowly.

[Citroenmad]

If you were going to scrap it id still be going down that route. You will only make a very small amount from claiming, probably not worth the hassle.

Very bad luck though, i would be livid, just be thankful it wasnt your XM!

[dean]

Sorry to hear of whats happened Sam, I would say if you dont have protected no claims dont bother either but it's not really the point is it, its the fact that some little **** would do that to someone else's possessions, but i suppose thats the way it is now

D