Bumper scuffs

nheather

Distinguished Member
Hi,

Some kind soul and hit and scuff my rear bumper in a car park.

Insurance claim not viable so will have to stomach it myself.

Options seem to be

  • Main dealer or specialised body repair shop
  • Mobile touch up company
  • Do it myself
Don't want to spend too much because it is a company car, so I'm probably ruling out the first option because I can easily imagine that they will insist on removing the bumper, and doing a complete re-spray which could easily run to £500 or more.

Most likely but still probably around £200.

The DIY approach is attractive because of price but how realistic is it. I'm confident that I can do all the prep work well but not so confident whether rattle can aerosols can do the job no matter.

Anyone with similar experience?

N.B. these scuffs are more than what you could sort out with a touch-up pen.


Cheers,

Nigel
 

Astaroth

Well-known Member
What paintwork finish? How old is the car for consideration of fading/blending? What is your liability towards repairs if its a company car?
 

nheather

Distinguished Member
What paintwork finish? How old is the car for consideration of fading/blending? What is your liability towards repairs if its a company car?
Finish is metallic - VW Tungsten Silver

Car age is 2.5 years

Liability is a difficult one. I have to hand back the car in December. There is no liability, for minor scuff, scratches dinks you just hand back the car and take delivery of the next one. If there is any price adjustment that is between the lease company and my employer and not apparent to me.

And if I were going to take another company car I wouldn't bother, I'd just hand it back.

But there are two things making me hesitate

(1) The scuffs, whilst not huge are more prominent than what I have had before

(2) I most likely not going to go with a company car this time, instead going with a purchase, PCP or private lease. In which case I need to contact the fleet insurer after I have handed the car back and ask for a written statement of years without accident. I can't imagine that communication between the lease company and the fleet insurer would be that joined up even if the lease company wanted to register as an 'accident' but I don't want to take the risk.

Cheers,

Nigel
 

Astaroth

Well-known Member
Assuming its a fairly large company I'd be surprised if their fleet policy would cover such minor damage. Once you get to a certain size you stop thinking if any of your vehicles will be in an accident but just how many. Given insurers charge (estimated risk + operational costs) x profit margin x tax there is no point cover the £50,000 of claims you are certain you'll have as it'll cost you £65,000+ to do so

Did some work on a policy for a multinational car hire company.... they choose not to insure the first £75m of claims each year because its just a certainty that their claims will exceed that each year
 

duffbeerdrinker

Distinguished Member
Try polishing it out first. You'll be amazed at how some scratches and scuffs look really bad but are actually not that deep.
Even if it just makes the scuff look a bit better that might be good enough. Cheapest option by far.
 

John7

Well-known Member
If the lease co. follows the BVLRA Fair Wear and Tear Guide, this is what is stated for bumpers;

Bumpers
Acceptable - Minor scuffing up to 25mm in length.
Unacceptable - Deep scuffs where paint is broken, dented and cracked areas.
 

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