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

submitted 1 year ago by sylverstream to c/newzealand

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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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[–] 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.