Name the Ciara flooded car....

[Stick Legs]

ensignia said:

There are so many embittered losers on here - I've lost count on the number of threads I've seen here where members gleefully claim insurance won't pay out for one reason or another.

MOT finished 3 days ago and now the car has been stolen? Good luck with insurance
Misjudged depth of water and flooded a car? Insurance don't pay out for stupidity
Claiming you have 11 years of NCB when it's actually 10? That's fraud and they should cancel your policy indefinitely and keep the premium.

PH is a boring cesspit now

Dad's Net...

[numtumfutunch]

Geekman said:

I’ve driven my Range Rover through water as deep as the black Maserati got stuck in with no issues. I don’t think it’s quite as stupid as some people are suggesting: it is after all an SUV and the driver clearly over estimated its abilities. It’s not like he drove it through water as high as the roof or something.

I’m willing to bet the insurance will pay out with no issues at all, I’ve actually never heard of a case like this where it hasn’t.

Took the kids on a JLR experience day up at Helmsley a few years ago

Neither had ever driven, in contrast to most others there, and as eldest was 16 figured he was Operation Yewtree exempt and so bunked in with daughter who amazingly bagged a current model RR Sport.

The instructor was brilliant and obvs knew exactly what the car could do, and not do.

There is a river ford which he asked her to cross.
Due to a mix up she asked if he meant her to turn into the river rather than cross it to which he said "yeah OK"

What followed was just incredible

A Chelsea tractor driven by a 13y old girl who'd never been behind the wheel before basically just drove down a river at what felt like scary lateral angles of traverse with water coming up far higher up the doors than I was happy with. But then it wasnt my car, and the bloke had almost certainly done it before and trusted the car

Seriously impressive
But not a Maserati

Cheers - back on topic.....

[rallycross]

numtumfutunch said:

What followed was just incredible

.

what a great way to encourage your kids to be petrol heads!

[Mr Tidy]

ensignia said:

There are so many embittered losers on here - I've lost count on the number of threads I've seen here where members gleefully claim insurance won't pay out for one reason or another.

MOT finished 3 days ago and now the car has been stolen? Good luck with insurance
Misjudged depth of water and flooded a car? Insurance don't pay out for stupidity
Claiming you have 11 years of NCB when it's actually 10? That's fraud and they should cancel your policy indefinitely and keep the premium.

PH is a boring cesspit now

I hope you had a good weekend.

I did, but your post didn't contribute anything to that experience.

[Reciprocating mass]

ensignia said:

There are so many embittered losers on here - I've lost count on the number of threads I've seen here where members gleefully claim insurance won't pay out for one reason or another.

MOT finished 3 days ago and now the car has been stolen? Good luck with insurance
Misjudged depth of water and flooded a car? Insurance don't pay out for stupidity
Claiming you have 11 years of NCB when it's actually 10? That's fraud and they should cancel your policy indefinitely and keep the premium.

PH is a boring cesspit now

And winning is driving an expensive car into a great big puddle without realising they are completely devoid of any sense getaway lol

[donkmeister]

ensignia said:

There are so many embittered losers on here - I've lost count on the number of threads I've seen here where members gleefully claim insurance won't pay out for one reason or another.

MOT finished 3 days ago and now the car has been stolen? Good luck with insurance
Misjudged depth of water and flooded a car? Insurance don't pay out for stupidity
Claiming you have 11 years of NCB when it's actually 10? That's fraud and they should cancel your policy indefinitely and keep the premium.

PH is a boring cesspit now

Wow, that's erm... quite a bit of anger right there. Are you OK?

[ZOLLAR]

samoht said:

Kinda surprised at the number of people hoping insurance companies won't cover these cars. There's a saying, good judgement is the result of experience, experience is the result of bad judgement. Most insurance claims are the result of bad judgement behind the wheel of one sort or another (otherwise you'd be claiming against the other driver's insurance, not your own) - surely the last thing we want to do is start down a road of dismantling insurance by effectively voiding the point of comprehensive insurance. Of course it's the driver's own fault - that's why it's known as a 'fault' claim - but that's most of the point of insurance, because no-one is infallible.

Anyway, my mum drove our Previa into a flood yonks ago, the engine ingested water and bent the rods. Fresh engine flown over from Japan, £5k insurance cost, all covered and protected no-claims too. So expect will be covered unless things have changed.

There's a difference between bad judgement and outright negligence, do remember many insurance policies will have a condition of "safeguarding your vehicle from loss or damage".
Driving through a deep flood is not exactly biding by it.

That being said, it's likely an insurer will pay out due to consumer protection these days, FOS regular stand point seems to be the insurance company can afford it so pay out (naturally that's not great for all of us who have to cover those increased costs in premiums)

[PartsMonkey]

ensignia said:

There are so many embittered losers on here - I've lost count on the number of threads I've seen here where members gleefully claim insurance won't pay out for one reason or another.

MOT finished 3 days ago and now the car has been stolen? Good luck with insurance
Misjudged depth of water and flooded a car? Insurance don't pay out for stupidity
Claiming you have 11 years of NCB when it's actually 10? That's fraud and they should cancel your policy indefinitely and keep the premium.

PH is a boring cesspit now

I think it depends on your insurance company. I have three friends who's insurance wouldn't payout after claims.

One had his car stolen after leaving it running on the drive while dashing back in for his phone. The car was 3 months old on a PCP. They refused to pay out due to negligence. The car was recovered about a fortnight later.

The second one was staying at his inlaws for the night. His car was stolen off the drive. The insurance wouldn't payout as he said it would be kept at his home address overnight. Again, luckily, he got the car back a couple of weeks later, albeit with no wheels, a blown engine and a crumpled bonnet.

The third one had a head on with someone on a single track road. Insurance assessor turned up and noticed he hadn't declared he had the optional wheels rather than the standard wheels (Mate had no idea). They didn't pay out. He was a year into a five year finance deal.

[Limpet]

PartsMonkey said:

The second one was staying at his inlaws for the night. His car was stolen off the drive. The insurance wouldn't payout as he said it would be kept at his home address overnight. Again, luckily, he got the car back a couple of weeks later, albeit with no wheels, a blown engine and a crumpled bonnet.

So, does that mean that if your car is stolen during an overnight stay at someone’s house, or a hotel for instance, the theft isn’t covered? Seems quite harsh, given that most people spend a few nights away from home in a typical year, and will have driven the car to wherever they are staying.

[Metaliban]

I picked up my Jeep Wrangler 2 weeks ago :')
impeccable timing!!, It had no problems driving through anything the north west weather had to offer

[PartsMonkey]

Limpet said:

PartsMonkey said:

The second one was staying at his inlaws for the night. His car was stolen off the drive. The insurance wouldn't payout as he said it would be kept at his home address overnight. Again, luckily, he got the car back a couple of weeks later, albeit with no wheels, a blown engine and a crumpled bonnet.

So, does that mean that if your car is stolen during an overnight stay at someone’s house, or a hotel for instance, the theft isn’t covered? Seems quite harsh, given that most people spend a few nights away from home in a typical year, and will have driven the car to wherever they are staying.

That's what he asked them. They said he had to ring them and update the policy any time the car would be at a different address overnight.

[Condi]

Limpet said:

PartsMonkey said:

The second one was staying at his inlaws for the night. His car was stolen off the drive. The insurance wouldn't payout as he said it would be kept at his home address overnight. Again, luckily, he got the car back a couple of weeks later, albeit with no wheels, a blown engine and a crumpled bonnet.

So, does that mean that if your car is stolen during an overnight stay at someone’s house, or a hotel for instance, the theft isn’t covered? Seems quite harsh, given that most people spend a few nights away from home in a typical year, and will have driven the car to wherever they are staying.

Yeah, there is probably more to that than meets the eye, or he should have taken it up further with the insurance company or regulator. Your car doesn't have to be at the same address every day of the year to be covered! Either that, or super super cheap, super st insurance company. But even still, he still should have taken it further.



Anyway, back to the SUV's, is anyone else surprised at the low depth they seem to have got stuck at? I'd have expected them to make it through that without many issues.

[KTF]

PartsMonkey said:

They said he had to ring them and update the policy any time the car would be at a different address overnight.

This sounds like bks.

[droopsnoot]

meatballs said:

Hard to guess the depth before you go in without wading in with a stick.

That's the key thing, though. I can see how some of the cars in one block of photos on here could get into trouble, because there's no reference point. If you see another car get through, you can get an idea, but if the road is empty, then it's not so easy. Even looking at the verge either side doesn't help always. Even if it's a road you might drive every day, how many of us could be certain of exactly how it runs on a certain section?

And no, I'm not making excuses because I've done it. I drove through water a little higher than I liked yesterday, because the Mercedes saloon in front of me got through. I thought I'd wrecked the clutch, but it seemed OK a bit later, but it's put me off now, so my journey home for the next few days will be via a different route.

[tvrolet]

It may not be the engine that’s affected by water. Talking of stranded Maseratis I had a 4200 for years and on my way down to a funeral in the Scottish Borders with the missus on our all-in-black finery there was a slight flood across the road. We did stop before it but other cars were driving through and it was no more than bottom of the sill height - so way below anything intake or engine electric wise. So we drove slowly though...and the cambiocorsa box (robot manual) switched to neutral and we were stuck, engine still running. Water must have got into the gearbox connections as it wouldn’t select a gear. I had to push it out with the help of another guy who at least had wellies on. After standing maybe 15 minutes the box started to work again...and I then squelched about at the funeral with soaked shoes and socks. But there are other electrics that water can mess with - not just the engine...especially if it’s a Maserati
No such problems with Jeeps...so far.

[aeropilot]

Condi said:

Anyway, back to the SUV's, is anyone else surprised at the low depth they seem to have got stuck at? I'd have expected them to make it through that without many issues.

That's because the vast majority of them are not designed for it and often have low mounted air intakes down by the nearside front wheels (unlike RR and a few others that have higher mounted intakes)

[chow pan toon]

PartsMonkey said:

Limpet said:

PartsMonkey said:

The second one was staying at his inlaws for the night. His car was stolen off the drive. The insurance wouldn't payout as he said it would be kept at his home address overnight. Again, luckily, he got the car back a couple of weeks later, albeit with no wheels, a blown engine and a crumpled bonnet.

So, does that mean that if your car is stolen during an overnight stay at someone’s house, or a hotel for instance, the theft isn’t covered? Seems quite harsh, given that most people spend a few nights away from home in a typical year, and will have driven the car to wherever they are staying.

That's what he asked them. They said he had to ring them and update the policy any time the car would be at a different address overnight.

Absolute nonsense.

[droopsnoot]

chow pan toon said:

PartsMonkey said:

Limpet said:

PartsMonkey said:

The second one was staying at his inlaws for the night. His car was stolen off the drive. The insurance wouldn't payout as he said it would be kept at his home address overnight. Again, luckily, he got the car back a couple of weeks later, albeit with no wheels, a blown engine and a crumpled bonnet.

So, does that mean that if your car is stolen during an overnight stay at someone’s house, or a hotel for instance, the theft isn’t covered? Seems quite harsh, given that most people spend a few nights away from home in a typical year, and will have driven the car to wherever they are staying.

That's what he asked them. They said he had to ring them and update the policy any time the car would be at a different address overnight.

Absolute nonsense.

I've had weird conditions on my classic policy. I don't keep the classics at home, so I declare the overnight location as the shed they're kept in, and I've been told that they're not covered at home on that basis. I can leave them overnight in the shed, or leave them at a hotel or anywhere else, but not at home, or within one mile of home. When I'm taking them to a show this is an issue, because I generally bring the car home the night before, park it on the drive, and then go straight to the show. Having to go and collect the car in the morning would be too much of a time issue, given that some shows insist vehicles are in place by 8am.

For several renewals I had to check whether this clause had magically re-appeared in the new paperwork, then ask them to remove it, which they always did. This year common sense seems to have prevailed and the clause is missing without me having to request it, though of course I do have to check. In particular it always seemed strange that I could leave it somewhere a mile and a bit from home and it would be covered, but on the drive where I can keep an eye on it, it would not.

[JuniorD]

ndtman said:

Chrysler Crossfire?

One would certainly hope this is the case

[Triumph Man]

warch said:

What are electric cars like in floods?