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| The Pub For General Automotive Related Talk |
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06-01-2012, 01:34 PM
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Cane Farmer
Join Date: Jun 2006
Location: Tom Price, WA
Posts: 4,056
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Story is, I went on holiday in Perth over the new year with my partner.
We borrowed her friends car briefly to go to the shops and long story short the car was damaged in the car park. Not sure how, but a dent in the boot and crack on the spoiler. Nothing major at all. The owner of the vehicle agreed they would claim it on insurance as if they were the driver at the time. Cool. Excess = $400. (2000 Falcon S) Now the owner has turned around and said the insurer has changed it to a $1000 excess because of losing the no-claim bonus? Isn't the excess fixed and no-claim bonus applies to monthly/yearly premium? Any advise would be appreciated. I obviously have no qualms in paying as the car as in my possesion at the time...I could probably even argue it could have easily happened to them and not pay a cent, but I'm not like that. I just think the sudden jump to $1000 excess and saying the damage is quoted at $3500 seems very steep. (I'll post a pic later on) cheers guys
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1994 ED XR6T - Cobalt Blue. 2009 FG XR6 - Black. Quote:
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06-01-2012, 01:36 PM
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LIFELONG DJR SUPPORTER
Join Date: Apr 2005
Location: CENTRAL QUEENSLAND
Posts: 5,324
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just pay.
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06-01-2012, 01:38 PM
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FF.Com.Au Hardcore
Join Date: Feb 2008
Posts: 2,312
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unless they already lost their no claim bonus. their insurance paperwork will have the exact details.
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My ride: 2007 Falcon Ute BF XR8 Orange, MTO. |
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06-01-2012, 01:38 PM
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Flairs - Truckers Delight
Join Date: Aug 2006
Location: Brisbane Northside Likes: Opposite Lock
Posts: 5,731
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how much do you value your friendship?
imo i'd just pay. it's pretty sucky but that's the risk you take with borrowing cars.
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Current: Silhouette Black 2007 SY Ford Territory TX RWD 7-seater "Black Banger"
2006-2016: Regency Red 2000 AUII Ford Falcon Forte Automatic Sedan Tickford LPG "Millennium Falcon" |
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06-01-2012, 01:41 PM
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FF.Com.Au Hardcore
Join Date: Mar 2009
Location: Adelaide
Posts: 1,022
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Buy and fit a bootlid for them? Would cost a few hundred at most.
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06-01-2012, 01:58 PM
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I am Groot
 
Join Date: Dec 2007
Location: Burnett Heads, Qld
Posts: 6,840
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Quote:
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..  McLaren F1 Dick Johnson Racing "Those were the days when the cars were cars, they weren't built out of an Ikea pack like they are now and clothed in plastic; they were real cars." John Bowe |
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06-01-2012, 03:57 PM
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Go the Hogster!
Join Date: Sep 2008
Location: Brisbane
Posts: 2,518
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Quote:
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Nitro XR50 - the last brand new one in OZ  first registered Oct 2011. |
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06-01-2012, 05:50 PM
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#8 | ||
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Regular Member
Join Date: Jul 2006
Location: Canberra
Posts: 182
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friend or no friend - I would only pay what is stated on the original current policy paper that the owner would have in their posession (which I assume is $400). That policy paper is a legally binding contract agreed by both parties!! why on earth would you pay an extra $600!!!
Even if the insurance company is really saying they now want $1000 (your wife's friend could be talking crap based on what I have read) - if it only says $400 on that original agreement - that's all you need to pay. Don't take the submissive option - stand strong mate. Remember the damage is not your fault and she agreed to lend you the car in the first place.
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arguing on the internet is like running in the special olympics, even if you win, you're still a retard! |
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07-01-2012, 03:19 AM
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#9 | ||
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Regular Member
Join Date: Jul 2008
Posts: 468
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can't you buy a complete 2000 falcon S for $3500??
Only you know how good friends these people really are to your partner, but i dunno.....I'm with majestic. To me from what you said somethings a bit fishy |
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07-01-2012, 04:31 AM
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#10 | ||
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FF.Com.Au Hardcore
Join Date: May 2006
Location: Sydney
Posts: 1,868
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Doesnt matter how good a friend thay are , you borrowed their car and whilst in your care it was damaged , just pay because its the right thing to do . BTW insurance companies can increase the excess but not until policy renewal time so if their excess was $400.00 at the time of the accident then that is all you should pay unless you are under a certain age where there is an increased excess .
Last edited by wrongwaynorris; 07-01-2012 at 04:41 AM. |
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07-01-2012, 04:41 AM
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FF.Com.Au Hardcore
Join Date: Dec 2009
Location: Melbourne
Posts: 622
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Quote:
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Holiday minor accident (not at fault)
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