Thread: multiple damage - insurance options?

option 3 burn car, claim as malicious damage

Accumalative damage over time....carparks etc occasioned from vehicles unknown. Bull**** usually brings people unstuck...especially with insurance companies. You tell them it's burnt...they'll want a police report yada yada yada......

We made inquiries on an insurance claim with regard to a car that had front and rear bumper damage from 2 separate incidents and also minor hail damage and were told that each incident had to be claimed as a separate claim and they would total up the damage to see if the vehicle was an economic write-off. There was a time limit of 5 years from the incident to make the claim.

So if we had proceeded to repair the car we would have had to pay 3 excesses.

Originally Posted by glenn82

option 3 burn car, claim as malicious damage

No need to burn the car. Just find a friend or rellie with spare shed room, lock the car up in there and report it stolen. After you get the payout, leave it on the streets somewhere to be either found by police (most unlikely) or reported as an abandoned vehicle.

If the excess is $1,000 per claim, is it worth committing a fraud and risking the potentially serious consequences if caught, to save $3,000? I wouldn't do it.

Cheers
KarlB