silly insurance question...

[DodgyGeezer]

I'm just reading through Mrs DG's new policy and came across this wording:



surely if your car is properly maintained and a control-arm (for example) breaks or a tyre 'explodes', either of which could send you into the scenery, that's the very definition of an accident and why you have insurance in the first place or I am being somewhat dim (very possible!)?

Not sure why it's caught my eye this time round but I'll now need to look at my policy and/or historic ones to see of the wording is the same.

[Greasemonkey13]

I interpret this to be in relation to indemnity for the failure and not a subsequent accident.

I.e. if a bearing fails and the engine eats itself - you have no cover for replacing the engine.

If your engine borks and you fly into the central reservation - the damage to the body shall be repaired/replaced but they would not fix the engine.

Lack of maintenance, serviceable items, defective parts etc are all not covered… impact damage is.

[98elise]

Greasemonkey13 said:

I interpret this to be in relation to indemnity for the failure and not a subsequent accident.

I.e. if a bearing fails and the engine eats itself - you have no cover for replacing the engine.

If your engine borks and you fly into the central reservation - the damage to the body shall be repaired/replaced but they would not fix the engine.

Lack of maintenance, serviceable items, defective parts etc are all not covered impact damage is.

Thats how I read it. The mechanical/electrical failure isn't insured, a resulting accident would be.

Its the same with house insurance. If a pipe fails and floods your home the flood damage is covered, but the pipe repair isn't.

[BertBert]

98elise said:

Thats how I read it. The mechanical/electrical failure isn't insured, a resulting accident would be.

Its the same with house insurance. If a pipe fails and floods your home the flood damage is covered, but the pipe repair isn't.

I think that's how we want to read it, but I'm not convinced that's what it says unless the words around it in the policy give it that meaning

[TwigtheWonderkid]

BertBert said:

98elise said:

Thats how I read it. The mechanical/electrical failure isn't insured, a resulting accident would be.

Its the same with house insurance. If a pipe fails and floods your home the flood damage is covered, but the pipe repair isn't.

I think that's how we want to read it, but I'm not convinced that's what it says unless the words around it in the policy give it that meaning

It's exactly what it means. Loads of fires are down to an electrical failure. The fire damage is always covered.