I was coming out a parking space in Bunnings and started to turn earlier than I should have due to oncoming traffic. I have scratched all down the side of my car from the rear door to rear bumper. There is one minor dent. I have taken it to a smash repair and they estimated it anywhere from $2500-$3500 and recommended going through Insurance for the cost savings.
My main concern with this is not my excess etc but how much my premimum will increase afterwards. I have the money to pay direct and not do it through the insurance, but if my premium doesn't go up by much then I'd to it throug them. My question is, can anyone advise - who are in the industry - by what percent my premimum is likely to increase?
The smash repairs said to would be 10% for year, but I find this highly doubtful as it seems pretty cheap. For some context, my excess is $1000, and I assume I'd also lose some no claims bonus. I know that no one can give me a concreate answer, I am just looking for some ball park numbers to help me decide either way.
thanks,
My main concern with this is not my excess etc but how much my premimum will increase afterwards. I have the money to pay direct and not do it through the insurance, but if my premium doesn't go up by much then I'd to it throug them. My question is, can anyone advise - who are in the industry - by what percent my premimum is likely to increase?
The smash repairs said to would be 10% for year, but I find this highly doubtful as it seems pretty cheap. For some context, my excess is $1000, and I assume I'd also lose some no claims bonus. I know that no one can give me a concreate answer, I am just looking for some ball park numbers to help me decide either way.
thanks,