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Small scratch: Claim insurance or not? (self.newzealand)

submitted 1 year ago by sylverstream to c/newzealand

8 comments fedilink hide all child comments

Our car is insured comprehensive, but I'm wondering from what amount it would make sense to claim? AA no longer has a no claims bonus, but obviously premiums can go up if you claim. We have some cosmetic damage which we caused ourselves, so would mean we'd pay our excess. Would it be wise to discuss with our insurer AA? Advice welcome, thanks.

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[–] walter_wiggles 2 points 1 year ago (1 children)

If you make the claim you may risk your premiums going up.

On the flip side if you ever plan to sell it, the cosmetic damage will be used against you.

If you can afford it I'd have the damage fixed without making a claim.

[–] sylverstream 1 points 1 year ago

Thanks, that's what I'm thinking.