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Discussion Starter #1 (Edited)
I cant believe it i really cant. Tuesday night wanted some crisps so decided to go down to sainsbury's BAD BAD move .
Hopped in the mini cruised down the road parked up right by the door so everyone who came out got stunned by the lights gleaming off my silver cooper man it is nice . bought my crisps and other stuff went to open the boot and i nearly fell on the floor in shear shock . some T**T had ripped my rear bumber off ARRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRR i sat in the car park with my head in my hands gutted . someone has come out of one of the spaces behind me at a angle and scrapped right along the bumber and cracked the right hand side with thier towing eye . oh im still in shock . the bumber has a scratch the whole lengh nearly and a huge crack at the right hand side the exhaust is ok and the wheel arch is too lucky me.
So what do i do now ?
Do i claim on my insurance or do i fork out for a new bumber and keep my No claims bonus ?
How much for a new standerd cooper bumber anyone know ?
orrrr do i buy the bumber off of the body kit in the acc brochure ?
someone help ? i wanted to buy the body kit in a few months is now the time to get the first bit ?
eliseboy advised me to ask you lot .
Right better go and drown in my tears
Looking forward to some post's
Cheers Cya
Rob
 

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well my insurance covers against hit and run with no loss to claims or anything
worth checking your policy documents before phoning them
 

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Sorry to learn of your bad new, ravensaxo. At least the damage is limited to an area of the car that can be completely replaced and therefore be made as good as new.

1st move should be to get the car down to the BMW bodyshop for a detailed estimate. It's only when you know the costs that you can decide how to proceed.

Then, as Eliseboy says, check your policy. However, I suspect you won't be as lucky as he is (very few policies will allow you to claim for hit and run cases without loss of NCD). Plus you need to take into account your excess which will come off any claim.

If your NCD is reduced, don't forget that it will be costing you more not just at next renewal but also subsequent years as you have to climb back up the discount scale.

You can do the calculations quite easily when you know the cost of repair.

If you decide not to use the insurance, then now would seem to be the time to do your bodykit upgrade. Don't forget that you must advise your insurer about any significant change to the bodywork or risk invalidating future cover.
 

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...where´s the any-key?
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Supermarkets have cameras. It might be worth asking security to see if they caught it on camera.

LMB:(
 

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thoughtless jackel

Sorry to hear. For sure the person who did this knew they damaged your MINI. Did it look accidental or could it have been deliberate? Anyone who can't take responsibility for their own damage is a lowlife. Happened to me in a parking lot last month to my front fender. The estimate was $500USD, but I was able to fix it myself for $100USD in parts. However there is still a 12" long scratch that can't be fixed without replacing the fender.

Replacing a bumper is a DIY job for even a moderately mechanically inclined person and you could probably save half the cost from your dealer.

Check these out for more information: (down 7-9 posts)
http://www.mini2.com/forum/showthread.php?threadid=2637
or this:
http://www.mini2.com/forum/showthread.php?threadid=2544
New bumper (front) only £77? Sounds cheap to me.
 

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Amiga 500 to PS3 20 Years
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The first thing you should of done is gone into the store and demanded copies of any cctv footage featuring your car from security.

They have to provide this by law for a nominal fee of £10 I think it is. This is to cover costs of the tape etc.
 

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If it was last night they should still have the tapes, get in touch with them right away.


If you can get video footage of the person doing this, and a shot of their No. plate, then you could claim off them.

Get on the blower, then get down there!

Sorry to hear about this, it's a nasty situation to be in.

(I had my Peugeot hit in a car park, big dent in the rear quarter panel)
 

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Under new data protection rules that came into force last 0ctober, security tapes must be kept for 31 days.
You may have difficulty viewing the tapes as only you (the data subject) have any entitlement to view yourself and not any third parties that may also be on the tape. However that does not mean to say the tapes can not be viewed by the police, subject to the registered use to which the data may be used. You may view the tapes, but they may have to be edited so as to obscure any 3rd parties that are on the tape. The act requires that this masking must take place, even if it has to be sent to a specialist company if there is not the ability to do it on site.

Make it clear that you wish to access the data under the data protection act. You will have to pay a nominal fee. It is no guarantee though that there will be any video footage as under new rules public areas may not be filmed by private companies. Town security partnerships of courese are allowed to, and must display signs to say that they are filming and also give their contact details.
 

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If you dont have protected no Claims bonus then it will effect your insurance. Get an estimate from BMW to see how much it would cost & compare the cost with how much your excess is & how much your premium is likely to increase in the future. Get back down to the super market & see if any one has reported the accident or if there is any CCTV.
Any probs give us a shout
Smiffy;)
 

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The problem is that most chain store car parks have a discliamer stating that they will not be held repsonsible for damage to motor vehicles while they are parked on their property :( :( :(
 

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smiffy said:
The problem is that most chain store car parks have a discliamer stating that they will not be held repsonsible for damage to motor vehicles while they are parked on their property :( :( :(
shouldn't be an issue in this case as the claim would be against the vehicle owner/driver not against sainsburys.

Might be worth giving the police a call for support in this instance, I'm sure sainsburys wouldn't have a problem, if indeed the offender's vehicle can be identified. Would be a fantastic stroke of luck.........

I hope you can sort it out soon.........

cheers
 

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:( sorry to hear about that, considering the number of replies every MINI owner is feeling for you.

good luck:rolleyes:
 

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ELISEBOY said:
well my insurance covers against hit and run with no loss to claims or anything
worth checking your policy documents before phoning them
Interesting... which insurance company do you use?? Sounds like a good policy, I thought it was a no claim discount not a no blame

Dave

P.S
Feel for ya ravensaxo, people who hit and run are the scum of the earth, probably some prat in a 4x4 who can see jack s#*t out of the back
:mad: :mad:
 

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...where´s the any-key?
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LMB said:
Supermarkets have cameras. It might be worth asking security to see if they caught it on camera.

LMB:(
Well there seem to be a few of us who think it is worth a try, so go do it, go do it *now*!!!

Good Luck Mate

LMB:)
 

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BarWeetGarNarWeetNinnyBon
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ravensaxo said:
I cant believe it i really cant. Tuesday night wanted some crisps so decided to go down to sainsbury's BAD BAD move .
Hopped in the mini cruised down the road parked up right by the door so everyone who came out got stunned by the lights gleaming off my silver cooper man it is nice . bought my crisps and other stuff went to open the boot and i nearly fell on the floor in shear shock . some T**T had ripped my rear bumber off ARRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRR i sat in the car park with my head in my hands gutted . someone has come out of one of the spaces behind me at a angle and scrapped right along the bumber and cracked the right hand side with thier towing eye . oh im still in shock . the bumber has a scratch the whole lengh nearly and a huge crack at the right hand side the exhaust is ok and the wheel arch is too lucky me.
So what do i do now ?
Do i claim on my insurance or do i fork out for a new bumber and keep my No claims bonus ?
How much for a new standerd cooper bumber anyone know ?
orrrr do i buy the bumber off of the body kit in the acc brochure ?
someone help ? i wanted to buy the body kit in a few months is now the time to get the first bit ?
eliseboy advised me to ask you lot .
Right better go and drown in my tears
Looking forward to some post's
Cheers Cya
Rob
Which Sainbury's was it? Morley or Moortown? Go and get them tapes and tell us when u catch the culprit!

cheers
 

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Definitely get the tapes - Sainsbury's should be quite good about it. They were very helpful when my mum's car was broken into on their carpark. Maybe it's some (very small) consolation - at least it was just your bumper....

kjs
 

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sorry to hear about the damaged rear end, there are some dickhead drivers about, i was prob some old jam jar glass wearing prick who dun it and doesnt even know he did it, if i were you i would go ahead and get the body kit put on theres no point in replacing it with the origanal part just to change it in a few months time,
have you had any luck with sainsburys? or are they being totally useless ?

good luck in the quest of fixing your poorly mini
 

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DavidB said:


Interesting... which insurance company do you use?? Sounds like a good policy, I thought it was a no claim discount not a no blame
I was with Axa at the time
it happened to me twice, once in a supermarket car park and once at the golf club
no video footage or notes left
so they said its not a problem and actioned the claim and settled as if it was a third party that had hit and was present
it was clear that the damage was not self inflicted

i was very impressed at the time
 

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BarWeetGarNarWeetNinnyBon
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ELISEBOY said:


I was with Axa at the time
it happened to me twice, once in a supermarket car park and once at the golf club
no video footage or notes left
so they said its not a problem and actioned the claim and settled as if it was a third party that had hit and was present
it was clear that the damage was not self inflicted

i was very impressed at the time
I've had a look at insurance by AXA and it ain't bad! Was it PROTECTED no-claims you had eliseboy?
 
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