this post was submitted on 20 Nov 2023
9 points (84.6% liked)

Aotearoa / New Zealand

1656 readers
5 users here now

Kia ora and welcome to !newzealand, a place to share and discuss anything about Aotearoa in general

Rules:

FAQ ~ NZ Community List ~ Join Matrix chatroom

 

Banner image by Bernard Spragg

Got an idea for next month's banner?

founded 1 year ago
MODERATORS
 

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.

you are viewing a single comment's thread
view the rest of the comments
[–] sylverstream 3 points 1 year ago (1 children)

About 800 to fix. 500 excess. Thinking to just get it fixed myself.

[–] Dave 3 points 1 year ago* (last edited 1 year ago) (1 children)

Yeah it's hardly even worth the time to do the paperwork. If you shop around you can probably get it cheaper anyway.

I'm gonna suggest that if you're not going to claim on an $800 incident, you probably should increase your excess. We always set ours to the highest available (I think it's like $1k-2k I can't remember). In my view if you can afford to pay $800 out of pocket then there's no point having insurance at that level.

[–] sylverstream 3 points 1 year ago

True, paperwork can be quite annoying.

Valid point regarding excess. It does make having an accident a bit less stressful when you have a lower excess.

Thanks Dave.