MINI2

B4d4Bing · Nov 18th, 2003, 10:18 PM

came onto a junction and car coming from the left quite fast round a corner hit the front of my poor mini!!! took the bumber clean off...one whole piece! and dented the bonnet below the scoop!

my insurance company said cause it was me that had to give way it was my fault and bang goes my 4 years no claims and a £400 excess to pay to get my mini fixed....god only know what my insurance will be like next time i renew??? 24 year old with mini cooper s, 3 points, then this claim and no no cliams...i don't even want to think about it!

wouldn't dare post pics of the mess...makes me too sad!

damn car is only 2 months old!

and that new aero grill i got fitted...****ers!!!!

Spookyfish · Nov 18th, 2003, 10:27 PM

I am very sorry to hear about your car. The good thing is that you are ok. The second good thing is you've learned now and this will probably never happen again.

Is the damage bad? You could pay for it youself to see if it weighs up against claiming it?

obehave · Nov 18th, 2003, 10:28 PM

Sorry to hear your car is damaged.
It's not a good feeling.

NEMINI · Nov 18th, 2003, 10:40 PM

Glad to hear your okay ... cars, even MINI's can be fixed/replaced but people not so much

ontheroadagain · Nov 18th, 2003, 10:41 PM

Not good news at all. I'm sorry for you, but as Spooky wrote - good thing you're AOK.

In the USA once you've notified your insurance company, it's too late to stop it from effecting your rates...sad to say.. I learned that the hard way. I hope it's different for you.

Hang in there - it could have been much, much worse.

Ady · Nov 18th, 2003, 10:53 PM

only a small bit of good news i might be able to offer, u might only lose 2 years no claims not your full no claims. Most insurers only take away 2 years per claim unless you are really unlucky this is more than likely the case. Glad your ok. I had some numty hit me in the side 3 weeks ago in our company car park, he hit me quite hard and did 3 grands worth of damage totally his fault but a pain none the less.

Ady

AMT · Nov 18th, 2003, 11:02 PM

Hard luck mate

minisoopercooper · Nov 18th, 2003, 11:14 PM

very bad luck mate. Had a few minor bumps like this in the past myself and it makes you feel sick to the stomach - and I have always driven old bangers let alone a 2 month old Cooper S.

Just one question. If you had 4 years no claims why didnt you protect them? You can have three accidents in 3 years without loosing them then.

Hope you get it all sorted soon.

Paul

B4d4Bing · Nov 18th, 2003, 11:15 PM

i did wonder whether now i have told my insurance company about the bump whether i could still arrange to pay for the damages with out involving them...surly they would prefer this rather than paperwork and payout to fix the car.

i would pay for mine but i rekon i will have to pay for the other car too!! still don't think it was really ALL my fault but the insurance co rekon i can't prove otherwise so tough doo doo!

Paul · Nov 19th, 2003, 10:24 AM

Sorry to hear about this, I've had my MINIs bashed a few times now, hurts.

scooperman_uk · Nov 19th, 2003, 10:37 AM

sorry to hear about it. must be gutting to have your pride and joy smashed up. at worst you should get stripped 3 year NCD and remain on 1 years NCD. i think that u should check your policy. i know with mine i have to report any accidents even if i dont claim of the policy... at least your OK.

swamos · Nov 19th, 2003, 11:14 AM

Bad news, Mark

SoggyCornFlakes · Nov 19th, 2003, 01:20 PM

Unlucky mate, but as has been said you are ok. Sounds like it was your fault unfortunately but there's not much you can do about it now - except of course have a good rant on here

knaone · Nov 19th, 2003, 03:53 PM

Sorry to hear that this has happened... Cars can be sorted the good thing is that the mini is strong and can handle it

) The main thing with any bump is that you got out of it ok

B4d4Bing · Nov 19th, 2003, 07:27 PM

silver lining and all that...AERO KIT FRONT BUMPER GOING ON!! he he he!!

knaone · Nov 20th, 2003, 02:11 PM

So its now a good excuse for a Mod, good to see atleast something has come out of it

Nov 18th, 2003, 10:18 PM	#1
B4d4Bing MINI2 Resident Doctor!! Join Date: Jul 2002 Location: Glasgow Local Time: 12:44 AM Posts: 405 Offline	crashed my 6 weeks old mini cooper s!! came onto a junction and car coming from the left quite fast round a corner hit the front of my poor mini!!! took the bumber clean off...one whole piece! and dented the bonnet below the scoop! my insurance company said cause it was me that had to give way it was my fault and bang goes my 4 years no claims and a £400 excess to pay to get my mini fixed....god only know what my insurance will be like next time i renew??? 24 year old with mini cooper s, 3 points, then this claim and no no cliams...i don't even want to think about it! wouldn't dare post pics of the mess...makes me too sad! damn car is only 2 months old! and that new aero grill i got fitted...****ers!!!! MY MINI WAS A: 03 Chilli Red White Cooper S I'VE HAD IN BETWEEN: BMW Z4 2.5 V6, Golf GTi 2.0T DSG AND I'M BACK TO: 04 Dark Silver Mini cooper S

Nov 18th, 2003, 10:40 PM	#4 (permalink)
NEMINI NEMINI.org Join Date: Sep 2002 Local Time: 07:44 PM Posts: 7,866 Offline	Glad to hear your okay ... cars, even MINI's can be fixed/replaced but people not so much NEMINI.org, NEMINI.us, NEMINI.info, NYMINI.org

Nov 18th, 2003, 10:41 PM	#5 (permalink)
ontheroadagain MINI2 Master Join Date: Oct 2003 Location: near Playland Local Time: 07:44 PM Posts: 1,829 Offline	Not good news at all. I'm sorry for you, but as Spooky wrote - good thing you're AOK. In the USA once you've notified your insurance company, it's too late to stop it from effecting your rates...sad to say.. I learned that the hard way. I hope it's different for you. Hang in there - it could have been much, much worse. First love: MC CVT Indi Blue/White '04 Past MINI: MC CVT PW/Black '06 Present MINI: MCCa Pure Silver/BLK '09 w/roof rails

Nov 18th, 2003, 11:15 PM	#9 (permalink)
B4d4Bing MINI2 Resident Doctor!! Join Date: Jul 2002 Location: Glasgow Local Time: 12:44 AM Posts: 405 Offline	i did wonder whether now i have told my insurance company about the bump whether i could still arrange to pay for the damages with out involving them...surly they would prefer this rather than paperwork and payout to fix the car. i would pay for mine but i rekon i will have to pay for the other car too!! still don't think it was really ALL my fault but the insurance co rekon i can't prove otherwise so tough doo doo! MY MINI WAS A: 03 Chilli Red White Cooper S I'VE HAD IN BETWEEN: BMW Z4 2.5 V6, Golf GTi 2.0T DSG AND I'M BACK TO: 04 Dark Silver Mini cooper S

Nov 19th, 2003, 10:24 AM	#10 (permalink)
Paul Trained Monkey My Classifieds Join Date: Jan 2001 Location: Bedfordshire Local Time: 12:44 AM Posts: 40,356 Offline	Sorry to hear about this, I've had my MINIs bashed a few times now, hurts. Our trials and tribulations living in a "bleeding edge" eco house... Oxley Woods Living

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Nov 18th, 2003, 10:27 PM	#2 (permalink)
Spookyfish I'm probably out motoring Join Date: Oct 2003 Location: Overijssel Local Time: 01:44 AM Posts: 397 Offline	I am very sorry to hear about your car. The good thing is that you are ok. The second good thing is you've learned now and this will probably never happen again. Is the damage bad? You could pay for it youself to see if it weighs up against claiming it?

Nov 18th, 2003, 10:28 PM	#3 (permalink)
obehave Mini Mod Join Date: Sep 2002 Local Time: 07:44 PM Posts: 9,315 Offline	Sorry to hear your car is damaged. It's not a good feeling.

Nov 18th, 2003, 10:53 PM	#6 (permalink)
Ady Tinkering In The Garage Join Date: Jul 2001 Location: Midlands, Uk Local Time: 12:44 AM Posts: 2,174 Offline	only a small bit of good news i might be able to offer, u might only lose 2 years no claims not your full no claims. Most insurers only take away 2 years per claim unless you are really unlucky this is more than likely the case. Glad your ok. I had some numty hit me in the side 3 weeks ago in our company car park, he hit me quite hard and did 3 grands worth of damage totally his fault but a pain none the less. Ady

Nov 18th, 2003, 11:02 PM	#7 (permalink)
AMT MINI2 Senior Join Date: Sep 2003 Location: Edinburgh Local Time: 12:44 AM Posts: 448 Offline	Hard luck mate

Nov 18th, 2003, 11:14 PM	#8 (permalink)
minisoopercooper Some have THICK skins!!!! Join Date: Nov 2003 Location: Bristol Local Time: 12:44 AM Posts: 21,059 Offline	very bad luck mate. Had a few minor bumps like this in the past myself and it makes you feel sick to the stomach - and I have always driven old bangers let alone a 2 month old Cooper S. Just one question. If you had 4 years no claims why didnt you protect them? You can have three accidents in 3 years without loosing them then. Hope you get it all sorted soon. Paul

Nov 19th, 2003, 10:37 AM	#11 (permalink)
scooperman_uk almost 59k Join Date: Sep 2003 Location: Reading / Berks / Uk Local Time: 01:44 AM Posts: 5,127 Offline	sorry to hear about it. must be gutting to have your pride and joy smashed up. at worst you should get stripped 3 year NCD and remain on 1 years NCD. i think that u should check your policy. i know with mine i have to report any accidents even if i dont claim of the policy... at least your OK.

Nov 19th, 2003, 11:14 AM	#12 (permalink)
swamos MINI Traitor Join Date: Mar 2002 Location: Brisbane, Australia Local Time: 10:44 AM Posts: 4,985 Offline	Bad news, Mark

Nov 19th, 2003, 01:20 PM	#13 (permalink)
SoggyCornFlakes Awwww %%%% it! My Classifieds Join Date: Jul 2002 Location: Northampton Local Time: 12:44 AM Posts: 33,225 Offline	Unlucky mate, but as has been said you are ok. Sounds like it was your fault unfortunately but there's not much you can do about it now - except of course have a good rant on here Click here to Welease Woss and Bwand MINI2 Charity Ball 2009 ....... Global Moderator

Nov 19th, 2003, 03:53 PM	#14 (permalink)
knaone MINI2 Senior Join Date: Aug 2002 Location: Dundee, Scotland Local Time: 12:44 AM Posts: 389 Offline	Sorry to hear that this has happened... Cars can be sorted the good thing is that the mini is strong and can handle it ) The main thing with any bump is that you got out of it ok

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Nov 19th, 2003, 07:27 PM	#15 (permalink)
B4d4Bing MINI2 Resident Doctor!! Join Date: Jul 2002 Location: Glasgow Local Time: 12:44 AM Posts: 405 Offline	silver lining and all that...AERO KIT FRONT BUMPER GOING ON!! he he he!! MY MINI WAS A: 03 Chilli Red White Cooper S I'VE HAD IN BETWEEN: BMW Z4 2.5 V6, Golf GTi 2.0T DSG AND I'M BACK TO: 04 Dark Silver Mini cooper S

Nov 20th, 2003, 02:11 PM	#16 (permalink)
knaone MINI2 Senior Join Date: Aug 2002 Location: Dundee, Scotland Local Time: 12:44 AM Posts: 389 Offline	So its now a good excuse for a Mod, good to see atleast something has come out of it

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