Motor claim - is it worth it?

My car was broken into and the driver door needs to be replaced. Also, there is self-inflicted damage on the other side of the car which needs to be either panel-beaten or the doors should be replaced. I have been quoted EUR3,000 to get everything done.

I am considering claiming for both on my insurance. I would have to pay excess twice - EUR 380 in total. I am on a provisional licence and I have no No Claims Bonus.

Would it be worth claiming all this on my insurance? I am not sure how much my premium will increase by? I have Comp and pay EUR1200.

B

Ask you insurance company, ask them if you claim will it increase your premiums much?

The insurance company will not tell me how much the premium would rise by.

b

They should - insist on being told. In fact, write to the claims manager asking him to let you know get his name by phoning the company HO and just ask the receptionist for his/her name.

Under MIAB giudelines they must explain all this to you.

By the way are you sure that you have to pay an excess, given that it is a THEFT claim rather than an ACCIDENTAL DAMAGE claim.