dpg123

Some advice please! I live in London and rental electric bikes are a real pain - at the end of a hire, riders literally abandon them anywhere they like with little regard for others. Across pavements, in parking spaces for cars, across driveways etc. It's mainly younger people it seems, who just don't seem capable of thinking. Anyway, I returned home last Thursday and found one of these heavy electric bikes on the ground and against my Macan. It had fallen down and damaged the bumper and wing - quoted £750 for repair. I retrieved the footage from the camera outside my house which captured everything and sure enough a teenager left the bike beside my car, literally 90 degrees across the pavement blocking it completely, and walks off. Within 20 seconds the bike falls into my car. I took photos and moved the bike to a safe place, taking note of the bike reg. I also then saw the teenager who abandoned the bike on the street. I showed him the footage and he admitted it was him and gave me his dads number (he's 16). I called LIME (the bike company) who sent me a claim form. I filled it in, sent in the video, photos and the quote for repair. Their insurer got back to me last night saying they're not liable as the bike "has to be on active hire" to qualify for cover. LIME themselves say it's nothing to do with them (they own the bike) and it was an "act of God". What am I to do here? I'm pretty p*ssed with the thoughtlessness of the teenager - he would have heard the bike fall. I'm annoyed at insurance as the bike was obviously left in a dangerous and unsecure position but the last user. LIME are simply a joke - it's their bike that damaged my car. It clearly wasn't left secured and was inevitably going to fall. Thoughts anyone?

I had European Cover by Axa a couple of years ago and had to use it in France with the Boxster. It worked extremely well with all costs covered, hotel provided whilst waiting for a part (and shops/garage to open) car fixed and back on our way. £30 well spent.

Agreed, but it's close to useless in a lower value claim.

So we didn't claim in the end. TBH it was going to be more hassle than it was worth for the value of the claim. It has made me think about the value of protected no claims/zero excess etc though for the future.

I think it should be. It had some cuts but wasn’t limping or struggling at all. Expensive dog though…I’m sure it made it home!

Just to clarify…I’m asking for a friend.

It was a massive dog and my wife slammed on the brakes. She probably hit it at 10mph. There are literally teeth marks on the plastic grille it smashed! I hope it’s alright.

Don't worry, I was clever enough to use a phone not linked to my account and didn't give any of my details at all. There's no way they can trace me. I think I'm not going to claim. It's not worth the hassle and the risk of breaking even over time. If it was for £5k or something thats another matter...

Quick question - if I did make a claim on the Macan, do I need to state this when looking for insurance on my Boxster, or just the Macan? So, if I claim for this, is there a chance my Boxster insurance could rise as well as the Macan??

Exactly this - is the claim worth it if they hike my premium up by £100/year for the next 5 yrs? If I could get some sort of clarity on what the impact of a claim actually is on a premium then it would be easy to judge. But the system is so deliberately confusing it's impossible to decide!

Yesterday my wife hit a dog that ran out into the road (at least she told me it was a dog - I'll be watching the news for the next couple of days!). The dog ran off but not before it had smashed the front grille and number plate surround of her Macan. The repair bill is £570 for parts and fitting (the bumper needs removed to replace the grille). I have zero voluntary excess and £350 compulsory. I also have a £250 cover from Go Compare that pays off the first £250 of my £350 excess, leaving me with just £100 to pay in the event of a claim. I have 13 years No Claims Bonus which is protected. My question is, is it worth claiming for this? Will the insurance company just hike up my premium and recoup the money over time? Will need to declare this claim to a new insurer if I later switch, in which case that premium quote goes up? It's so confusing, almost deliberately so, knowing what to do. I rang my insurer on my work phone and didn't give any details, ut I was asking their advice. They said they cannot divulge how my premium would be affected. They also said I had to inform them of the damage even if I didn't make a claim (as if!!!). Any advice or insight please??

I have Admiral as my house insurer and they are a complete bunch of c....

Hey, thanks Flyguy - spent a decent amount of time on the phone with Oracle. Super impressive. They took time to really dig down into my circumstance and what I wanted to achieve. If I do go ahead with the Macan it'll be with their assistance. If memory serves me right you have a Macan yourself?

Hi all, Considering replacing my wife's car with a Macan and was interested in looking into a PCP for finance. Has anyone any experience and/or can recommend a decent way of getting a quote? Thanks!

Quite a lot of moss in the joints of that driveway Matt...