Car insurance / fully comprehensive insurance?
Hello,
It's probably a stupid question but please don't lynch me.
I have a fully comprehensive insurance claim on my car that I caused myself. The damage amounts to €3,000 (front lip, hitting metal bars). Only cosmetic damage.
I'm changing my insurance from fully comprehensive to partially comprehensive and my friends advise me to have the damage repaired beforehand, but I don't know if it makes sense since I'll then lose my SF classes.
I have fully comprehensive insurance class 4 (5 from 01/01/2024).
Would then drop to SF 0.
The price difference between SF5 and SF 0 is approximately €200 (annually). So, I would have to drive for another five years without a claim to save €200 annually.
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So if you're switching from fully comprehensive to partially comprehensive insurance, be sure to get it repaired, because with partially comprehensive insurance, there are no SF classes, but rather fixed premiums. A possible downgrade to fully comprehensive insurance doesn't matter.
And here's the good news for the future: If you haven't had fully comprehensive insurance for at least a year, your coverage can be adjusted to the liability coverage. As long as you haven't ruined that one, too 😉, you'll get a decent rating if you take out fully comprehensive insurance again after more than a year.
A1 answer!
Thank you!
There are no SF classes in partial comprehensive insurance, so you won't be downgraded at all.
Your insurer will be happy to calculate the maximum amount up to which any claim coverage will be worthwhile in the long term!
Greetings from an insurance broker
Unfortunately, you can't really see how bad the damage actually is.
But why not smart repair?
Then you won't lose any SF and why even have such a small fart sorted out through insurance?
I wasn't sure if it was possible with Smart Repair.. I went to SEAT and they said 3,000 euros 😅
Thought it might make more sense to have the damage covered by insurance because it's so expensive and I didn't want to have a loss of value of 3,000 euros :/
Well, as I said, unfortunately I can't really see how broken it really is, but €3000 is definitely too much if only the plastic is damaged.
Just leave it as it is and drive the car.
If you're going to forgo fully comprehensive insurance anyway, you can ignore the SF category for now. Of course, you'll have to pay the excess.
And only the full cost is increased. Or was there also a liability claim?