What to do with a drowned Range Rover?
Discussion
Oakey said:
10JH said:
ZOLLAR said:
Some insurance companies wont immediately notice fronting if parents say their children have access to other cars aswell, possibly this could the case?? op does your brother have access to other cars if so unlikley insurer will go down the fronted route.
Yeah he does. I think some people are getting confused with what fronting is. Having spoken to my Dad, the main reason he doesn't want to go down the insurance route is that he doesn't think that they would pay out.
Land Rover have also advised him that the insurance are unlikely to pay out as he was doing something stupid and as it was on a beach. I don't know if the slipway says private access only (or whaterber) or not though.
Plus if they did pay out, he pays a huge amount in insurance every year, so a premium rise would cost him a lot.
10JH said:
I've questioned this with my Dad as well. He said that because he insures both my brother (17) and sister (20) on other cars through his name that he reckons the insurance would take a big knock
These 'other cars' he insures your brother and sister on, would this include your brothers Jazz? Do your brother and sister have their own policies or not? If so I can't understand why he's paying 'a huge amount in insurance every year' just so they can be named drivers on other vehicles, especially if he's not even going to attempt to claim if there's an 'incident'Excuse the Bluntness, but what the hell has it got to do with you?
Flanders. said:
Oakey said:
10JH said:
ZOLLAR said:
Some insurance companies wont immediately notice fronting if parents say their children have access to other cars aswell, possibly this could the case?? op does your brother have access to other cars if so unlikley insurer will go down the fronted route.
Yeah he does. I think some people are getting confused with what fronting is. Having spoken to my Dad, the main reason he doesn't want to go down the insurance route is that he doesn't think that they would pay out.
Land Rover have also advised him that the insurance are unlikely to pay out as he was doing something stupid and as it was on a beach. I don't know if the slipway says private access only (or whaterber) or not though.
Plus if they did pay out, he pays a huge amount in insurance every year, so a premium rise would cost him a lot.
10JH said:
I've questioned this with my Dad as well. He said that because he insures both my brother (17) and sister (20) on other cars through his name that he reckons the insurance would take a big knock
These 'other cars' he insures your brother and sister on, would this include your brothers Jazz? Do your brother and sister have their own policies or not? If so I can't understand why he's paying 'a huge amount in insurance every year' just so they can be named drivers on other vehicles, especially if he's not even going to attempt to claim if there's an 'incident'Excuse the Bluntness, but what the hell has it got to do with you?
I was saying that the insurance on the RR to add my brother and sister didn't cost a fortune. They are insured on other cars of his though.
As for suggesting my brother was drunk at the time, fair enough assumption, but he wasn't. He called the police at the time to get them to help, they turned up and couldn't do anything. They didn't question him any further and said they weren't going to be telling him off for being on the beach, as he'd be in enough trouble with my Dad anyway.
As for suggesting my brother was drunk at the time, fair enough assumption, but he wasn't. He called the police at the time to get them to help, they turned up and couldn't do anything. They didn't question him any further and said they weren't going to be telling him off for being on the beach, as he'd be in enough trouble with my Dad anyway.
Oakey said:
Let's be honest, if this thread had been posted on any other forum people here would be far less sympathetic. There's clearly something off about the entire thing, you don't just write off a car without at least enquiring because 'premiums might go up'.
As some people have worked out already, if you're paying a lot in insurance a year, if the premiums did go up then this would cost a serious amount of money. With all respect, people don't know how many cars he has insured, who is insured to drive them and what the policy circumstances are.
GKP said:
How long before your brother starts moaning to all his mates that Range Rovers are really crap off road?
Looking how far on the beach it got...that's pretty crap!Could he not crawl away in 2nd gear?
Give the f
ker a slap for fking up the car. Personally, I'd claim anyway. £12k is still £12k!Can I make a suggestion - Couldn't your old man just ask the insurance company if it's covered?
Insurance is NOT affected unless you make a claim. Phoning up and getting some advice just isn't going to mean other policies will get hiked. They will only load future premiums if they pay out. If you decide not to claim and take your brother off the other policies, they should go DOWN.
They also understand that plain bad luck can happen to anyone, and it IS a 4x4 after all, and it was designed to drag things up the beach. Even if it is a Range Rover and destined to fall apart if you get a few salty chips near it!
That's what insurance is for, just ask them... and if your old man can write off £10k without flinching, then his other motors must be a bit tasty - Perhaps your brother has been given a chance to show maturity and failed. A lack of posh metal to cruise for gusset in might be a worthy punishment?
Insurance is NOT affected unless you make a claim. Phoning up and getting some advice just isn't going to mean other policies will get hiked. They will only load future premiums if they pay out. If you decide not to claim and take your brother off the other policies, they should go DOWN.
They also understand that plain bad luck can happen to anyone, and it IS a 4x4 after all, and it was designed to drag things up the beach. Even if it is a Range Rover and destined to fall apart if you get a few salty chips near it!
That's what insurance is for, just ask them... and if your old man can write off £10k without flinching, then his other motors must be a bit tasty - Perhaps your brother has been given a chance to show maturity and failed. A lack of posh metal to cruise for gusset in might be a worthy punishment?
Insurance can be affected even if you don't claim because insurer's rate on the risk not just the pay out, just because they don't pay out dosnt mean the son isn't a risk of course he his, his actions caused the RR to be flooded if you ring the insurer they will make a note of it as being a "no claim" (although this may vary per insurer depends on who op dad is insured with) oh and again just to remind you if your dad not claiming make sure he cxx policy asap he may get money back after cxx fees as I said earlier.
10JH said:
Oakey said:
Let's be honest, if this thread had been posted on any other forum people here would be far less sympathetic. There's clearly something off about the entire thing, you don't just write off a car without at least enquiring because 'premiums might go up'.
As some people have worked out already, if you're paying a lot in insurance a year, if the premiums did go up then this would cost a serious amount of money. With all respect, people don't know how many cars he has insured, who is insured to drive them and what the policy circumstances are.
alfabadass said:
GKP said:
How long before your brother starts moaning to all his mates that Range Rovers are really crap off road?
Looking how far on the beach it got...that's pretty crap!Could he not crawl away in 2nd gear?
Give the f
ker a slap for fking up the car. Personally, I'd claim anyway. £12k is still £12k!
Having spoken to the OP today, it's immediately obvious that there are quite a few other cars in his families fleet (with nobody fronting anything) and the increase in premiums over 5 years would be substantial (salvage value of car + premiums saved over 5 years would exceed the nominal £10k claim value) as always with these things, the PH debate is somewhat different from the almost boring reality.
Edited by AndrewW-G on Friday 5th March 19:20
Lil' Joe said:
Right, so your 17 year old brother submerges a Range Rover which your old man is writing off. May I be the first to call him a c**t? And did he get the c**t he must have been after, or did she drown?
Out of interest, what punishment is your brother getting?
Had that been me and thank Christ it wasn't, I would have been monumentally beaten at 17. Hell, at 25!
ehm, the fact that the range-rovers tires hadn't been made to gain any grip in the clay, and that the brother didn't know that doesn't make him look like some female organ.Out of interest, what punishment is your brother getting?
Had that been me and thank Christ it wasn't, I would have been monumentally beaten at 17. Hell, at 25!
In fact, for a rangie these days it's a honour to be dying in the wild, most ones die when mums bringing their kids to school, these cars were made to test the limits of off-roading, damage caused by that should be calculated and prevented in the future by improving the vehicle.
and if 10k for a father isn't worth fighting his son for, in my eyes that's understandable, even if it was a 200k fezza, it's still not approaching the value of a father son relationship!
And if your car is so expensive in your eyes that you wouldn't lent it to your own son because you risk hating him, you should consider a cheaper car.
I understand that £12k is a lot for your brother (or most people) to find, the increase in your fathers premiums will be for five years approximately if he decides to claim.
Personally I would suggest your father claims, then your brother finds the increase in your fathers premium on his policies every year for the next five years, that will cost him significantly less than £12k. Everyone is a winner, your father is back where he should be and your brother will have learnt his lesson all-be-it in five years, which by the sounds of it is how long it should take..
People not claiming for major damage or write offs is probably one reason why insurance companies like to charge extortionate excesses, they hope you would rather keep the excess and do the repair yourself. Then what is the point of insurance?
For sure if I needed a couple of wings or unboltable panels or a bumper (on the sheds I run) I'd consider doing the work myself but if they think people are taking £12k's worth of written off car on the chin rather than foot the excess and premium rise they couldn't be happier and will continue to take the piss out of people who genuinely need to claim.
Personally I would suggest your father claims, then your brother finds the increase in your fathers premium on his policies every year for the next five years, that will cost him significantly less than £12k. Everyone is a winner, your father is back where he should be and your brother will have learnt his lesson all-be-it in five years, which by the sounds of it is how long it should take..
People not claiming for major damage or write offs is probably one reason why insurance companies like to charge extortionate excesses, they hope you would rather keep the excess and do the repair yourself. Then what is the point of insurance?
For sure if I needed a couple of wings or unboltable panels or a bumper (on the sheds I run) I'd consider doing the work myself but if they think people are taking £12k's worth of written off car on the chin rather than foot the excess and premium rise they couldn't be happier and will continue to take the piss out of people who genuinely need to claim.
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