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Message: <blockquote data-quote="wqe123" data-source="post: 21486109" data-attributes="member: 545828">it is like this for SLICOwners account charge = 20% charged to you.in case of repair done at company by replacing part. (Eg. Bumper Replace to new)if vehicle 1 Year old, No Owners Account if Vehicle 1 - 2 Years 10%if Vehicle 2 -3 Years most probably 15% (10%-15%)if Vehicle 3 -5 Years less than 20%if vehicle more than 5 Years 35%if repair done at company and repairing only no part replace. it depend on your and company bargaining power. bcoz no value defined, but less than replace cost.If repair done at third party and repair only, it totally depend on your bargaining power bcoz no value defined and no one will challenge insurance assessor. but these garage persons know what to show and what to charge.* vehicle year is not the age from registration date. it is from the calendar year. Eg. if you buy vehicle on 1/1/2015 and accident on 02/15/2016 they treat you as 2nd year. even vehicle registration on 28/12/2015 and accident on 10/10/2016 still treat as 2nd year. insurance are tricky....(Sorry writing this hurry.. so writing very short )</blockquote>

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