Dad I crashed the car.......

Athene V30

Athene V30

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Well with 4 sons, 3 over 17 it had to come.

Had the phone call at 9.30 this morning.

Fortunately no one in car hurt and no one else involved - just a nasty corner, too fast, loose chippings, a grassy bank and telegraph pole. All had their seat belts on, all walked away. Car cost £950 a month ago, fully comp, £250 excess. Just spent last 4 hours recovering to a mates garage. Initial assessment is a total write off.

What next - claim on insurance and take the hit of increased premium or sell for what can get and write it off to experience?

I keep telling myself, the important things is no one was hurt. The rest is only money.
 
20 years ago I lent my car to my daughter the week after she passed her test and she did £2000 damage to it. A lot of money then (and now). She was very upset that I didn't get cross.

It's only tin and rubber. As long as people are not hurt. Do a Huhne and blame the girlfriend :eek:
 
Pete,
relieved to hear they are ok.
You can either borrow or buy my car, I have a new one, so this may go on ebay in the next few days.
I have a 2005 Chevrolet Lacetti Estate that works perfectly( I am 2nd owner, had it for over 7 years), full service history, long mot, taxed, just serviced, 2 new front tyres. Only bored with it, but I have used it to cart boat bits around. The AC needs recharging, but that's about it.

Group 5 insurance, 1.6 petrol.

Under the forum limit £400.
 
Definately right to think it's only money, and as they're almost certainly going to load the premium on the basis that you've had an accident, I'd be inclined to claim and take FC up on his offer. As I recall, that's a nice motor
Good to hear nobody hurt, managed to 'park' a car into the side of a bus when I was learning to drive, taking a corner too fast is a way of learning to slow down, only crunching the motor is a painful way to learn, even if it's only the wallet that's injured
 
MoodySabre said:
. Do a Huhne and blame the girlfriend :eek:
Click to expand...

As it happens, it seems girlfriend (named driver on policy) was driving!

Now don't know where we stand on insurance. If she claims on his policy and then he drops her (from the policy) what will happen to his future premiums!

Agree it is only tin and rubber and I have stayed completely calm about it all. Back in 1979 I crashed my Mum's virtually new car 5 weeks about after passing my test and she didn't get cross either. As to another car, that is for him to decide what he can afford!
 
Spot on!

Like you, I have four sons. Also have one daughter.

Eldest son ditched his car when c.19 years of age. Driving too fast, always denies it but I drove around the same bend 2 hrs after him on a cold night and avoided the ditch.

Funnily enough, the other three sons have not made the same mistake. Daughter did though. She ditched her car in Feb this year and blamed it on ice/frost/snow. Funny that there was only her car in the ditch. ;-)

To answer your question, not worth claiming. £250 excess, sell the car for scrap and you'll get appx £150. If you are funding the replacement I reckon you'll recover the loss by insisting upon two years of grass-cutting and the same of antifoul painting or whatever works for you.
 
He will lose his No Claims Bonus.... but the accident will follow her to her insurance, he will not need to declare the incident.
I work for direct line in motor sales. :)
 
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