Taycan insurance
Discussion
Just for clarity and I guess as this is relevant to this thread as it's discussing Taycan Insurance. This is the "story" with my car. Delivered early Feb, accident 16th Feb, due back to me sometime mid April.
Clearly this isn't normal, my OPC and Insurer are both astonished at what's going on here.
I took delivery of this lovely looking car in early February and was absolutely delighted with it.
10 Days and less than 300 miles later it was being recovered to a Porsche Approved Repair specialist after I damaged a wheel.
Doesn't look too bad does it? Those two images above have lead to a close to £20,000 insurance claim.
So life with the Taycan 4S CT hasn’t gone as smooth as we were hoping.
I managed just under 300 miles in the first 10 days I had the car, then coming home from the gym one evening hit some debris/hardcore that had been washed into the road after heavy rain. Effectively I’ve kerbed a wheel and there’s a tiny scuff on the bodywork. Annoying but it is what it is. The impact wasn’t enough for the tyre to deflate, so I drove home and all was good and continued using the car until I figured out what it was going cost to repair.
There’s a chunk out of the wheel rim and a bit out of the side wall of the tyre and a scuff on the rear wheel. So new front wheel and tyre and a refurb required on the rear. Well that’s what I thought.
Over the next few days I used the car normally and it drove completely normally, but I was a little worried about the small chunk of tyre missing so kept it to short journey's
So I looked at buying a new wheel/tyre – £2,500 for the front, plus a refurb on the rear plus a little bit of paint so at that point I’m making an insurance claim. That’s where things started to go wrong.
The car was recovered to one of the Porsche Approved repairers – M&A Coachworks, North London. They inspected the car and phoned me a few days later.
It needs a new wheel and tyre for the front, a new wheel and tyre for the rear (Porsche don’t allow refurbs and if you replace the wheel you have to replace the tyre also despite it being brand new and undamaged).
New lower front splitter, new wheel arch and indicator, paint to lower edge of front bumper.
Porsche insist that due to the nature of the impact the suspension strut and entire suspension assembly on the corner concerned are replaced as they are made from Aluminium and may be damaged.
As the steering rack is a sealed unit and non serviceable that also may be damaged and required replacement, as this is attached to the steering column which is a sealed unit and may be damaged that also requires replacement.
The strut mounting point then had to be stress/crack tested, the bodyshell then needs to be put on a jig for an alignment check. Total cost around £15,000 + vat.
All for what is effectively a kerbed wheel.
So I objected with the insurer who agreed to an independent inspection, two in fact. Neither of which displayed any damaged to any of the huge list of components that have been slated to be replaced.
I asked if they could replaced the front wheel/tyre, take the car to a Porsche OPC for inspection and alignment check to see if any extra work was required – of course the insurers were all for this, the accident repair centre weren’t and stated unless all the work was carried out that they’d deemed necessary the warranty on the car would be invalidated by Porsche based on their assessment as a Porsche Approved repair centre.
So here we are a month later and the work has been authorized and I get the car back about mid April. The reality is no longer want it back.
With loan car costs, recovery costs and two inspection costs we're at close to £20,000.
My business partners 4S saloon also left on the back of a low loader for the second time in three months last week. It just looks like we're not meant to have these cars. Between us we've not had an insurance claim/accident in 25 years then we have 3 in three months.
Effectively I can't drive this Taycan on the roads in and around where I live for fear of damaging it (my business partners saloon suffering the same fate). It simply can't deal with the road surface/pot holes in the way any of my other cars (or business partners cars) can. i.e. normally. If a kerbed wheel leads to a complete suspension change every time it happens "as a precuationary measure" these cars are very quickly going to become uninsurable.
I've driven all sorts of cars over the years and I've never been "scared" to drive anything through fear of damaging it. Same goes for my business partner. There are just so many occassions now when we both feel we simply can't use the Taycan that it's pointless keeping them.
So when they both arrive back from repair they will be going.
My first foray into Porsche ownership is going to be a short one and I'm unlikely to be visiting again. Which is a shame, these are lovely vehicles but I just can't own a car that I'm scared of driving through fear of damaging it through normal daily driving.
Clearly this isn't normal, my OPC and Insurer are both astonished at what's going on here.
I took delivery of this lovely looking car in early February and was absolutely delighted with it.
10 Days and less than 300 miles later it was being recovered to a Porsche Approved Repair specialist after I damaged a wheel.
Doesn't look too bad does it? Those two images above have lead to a close to £20,000 insurance claim.
So life with the Taycan 4S CT hasn’t gone as smooth as we were hoping.
I managed just under 300 miles in the first 10 days I had the car, then coming home from the gym one evening hit some debris/hardcore that had been washed into the road after heavy rain. Effectively I’ve kerbed a wheel and there’s a tiny scuff on the bodywork. Annoying but it is what it is. The impact wasn’t enough for the tyre to deflate, so I drove home and all was good and continued using the car until I figured out what it was going cost to repair.
There’s a chunk out of the wheel rim and a bit out of the side wall of the tyre and a scuff on the rear wheel. So new front wheel and tyre and a refurb required on the rear. Well that’s what I thought.
Over the next few days I used the car normally and it drove completely normally, but I was a little worried about the small chunk of tyre missing so kept it to short journey's
So I looked at buying a new wheel/tyre – £2,500 for the front, plus a refurb on the rear plus a little bit of paint so at that point I’m making an insurance claim. That’s where things started to go wrong.
The car was recovered to one of the Porsche Approved repairers – M&A Coachworks, North London. They inspected the car and phoned me a few days later.
It needs a new wheel and tyre for the front, a new wheel and tyre for the rear (Porsche don’t allow refurbs and if you replace the wheel you have to replace the tyre also despite it being brand new and undamaged).
New lower front splitter, new wheel arch and indicator, paint to lower edge of front bumper.
Porsche insist that due to the nature of the impact the suspension strut and entire suspension assembly on the corner concerned are replaced as they are made from Aluminium and may be damaged.
As the steering rack is a sealed unit and non serviceable that also may be damaged and required replacement, as this is attached to the steering column which is a sealed unit and may be damaged that also requires replacement.
The strut mounting point then had to be stress/crack tested, the bodyshell then needs to be put on a jig for an alignment check. Total cost around £15,000 + vat.
All for what is effectively a kerbed wheel.
So I objected with the insurer who agreed to an independent inspection, two in fact. Neither of which displayed any damaged to any of the huge list of components that have been slated to be replaced.
I asked if they could replaced the front wheel/tyre, take the car to a Porsche OPC for inspection and alignment check to see if any extra work was required – of course the insurers were all for this, the accident repair centre weren’t and stated unless all the work was carried out that they’d deemed necessary the warranty on the car would be invalidated by Porsche based on their assessment as a Porsche Approved repair centre.
So here we are a month later and the work has been authorized and I get the car back about mid April. The reality is no longer want it back.
With loan car costs, recovery costs and two inspection costs we're at close to £20,000.
My business partners 4S saloon also left on the back of a low loader for the second time in three months last week. It just looks like we're not meant to have these cars. Between us we've not had an insurance claim/accident in 25 years then we have 3 in three months.
Effectively I can't drive this Taycan on the roads in and around where I live for fear of damaging it (my business partners saloon suffering the same fate). It simply can't deal with the road surface/pot holes in the way any of my other cars (or business partners cars) can. i.e. normally. If a kerbed wheel leads to a complete suspension change every time it happens "as a precuationary measure" these cars are very quickly going to become uninsurable.
I've driven all sorts of cars over the years and I've never been "scared" to drive anything through fear of damaging it. Same goes for my business partner. There are just so many occassions now when we both feel we simply can't use the Taycan that it's pointless keeping them.
So when they both arrive back from repair they will be going.
My first foray into Porsche ownership is going to be a short one and I'm unlikely to be visiting again. Which is a shame, these are lovely vehicles but I just can't own a car that I'm scared of driving through fear of damaging it through normal daily driving.
Edited by 21ATS on Sunday 20th March 09:19
21ATS said:
Just for clarity and I guess as this is relevant to this thread as it's discussing Taycan Insurance. This is the "story" with my car. Delivered early Feb, accident 16th Feb, due back to me sometime mid April.
Clearly this isn't normal, my OPC and Insurer are both astonished at what's going on here.
I took delivery of this lovely looking car in early February and was absolutely delighted with it.
10 Days and less than 300 miles later it was being recovered to a Porsche Approved Repair specialist after I damaged a wheel.
Doesn't look too bad does it? Those two images above have lead to a close to £20,000 insurance claim.
So life with the Taycan 4S CT hasn’t gone as smooth as we were hoping.
I managed just under 300 miles in the first 10 days I had the car, then coming home from the gym one evening hit some debris/hardcore that had been washed into the road after heavy rain. Effectively I’ve kerbed a wheel and there’s a tiny scuff on the bodywork. Annoying but it is what it is. The impact wasn’t enough for the tyre to deflate, so I drove home and all was good and continued using the car until I figured out what it was going cost to repair.
There’s a chunk out of the wheel rim and a bit out of the side wall of the tyre and a scuff on the rear wheel. So new front wheel and tyre and a refurb required on the rear. Well that’s what I thought.
Over the next few days I used the car normally and it drove completely normally, but I was a little worried about the small chunk of tyre missing so kept it to short journey's
So I looked at buying a new wheel/tyre – £2,500 for the front, plus a refurb on the rear plus a little bit of paint so at that point I’m making an insurance claim. That’s where things started to go wrong.
The car was recovered to one of the Porsche Approved repairers – M&A Coachworks, North London. They inspected the car and phoned me a few days later.
It needs a new wheel and tyre for the front, a new wheel and tyre for the rear (Porsche don’t allow refurbs and if you replace the wheel you have to replace the tyre also despite it being brand new and undamaged).
New lower front splitter, new wheel arch and indicator, paint to lower edge of front bumper.
Porsche insist that due to the nature of the impact the suspension strut and entire suspension assembly on the corner concerned are replaced as they are made from Aluminium and may be damaged.
As the steering rack is a sealed unit and non serviceable that also may be damaged and required replacement, as this is attached to the steering column which is a sealed unit and may be damaged that also requires replacement.
The strut mounting point then had to be stress/crack tested, the bodyshell then needs to be put on a jig for an alignment check. Total cost around £15,000 + vat.
All for what is effectively a kerbed wheel.
So I objected with the insurer who agreed to an independent inspection, two in fact. Neither of which displayed any damaged to any of the huge list of components that have been slated to be replaced.
I asked if they could replaced the front wheel/tyre, take the car to a Porsche OPC for inspection and alignment check to see if any extra work was required – of course the insurers were all for this, the accident repair centre weren’t and stated unless all the work was carried out that they’d deemed necessary the warranty on the car would be invalidated by Porsche based on their assessment as a Porsche Approved repair centre.
So here we are a month later and the work has been authorized and I get the car back about mid April. The reality is no longer want it back.
With loan car costs, recovery costs and two inspection costs we're at close to £20,000.
My business partners 4S saloon also left on the back of a low loader for the second time in three months last week. It just looks like we're not meant to have these cars. Between us we've not had an insurance claim/accident in 25 years then we have 3 in three months.
Effectively I can't drive this Taycan on the roads in and around where I live for fear of damaging it (my business partners saloon suffering the same fate). It simply can't deal with the road surface/pot holes in the way any of my other cars (or business partners cars) can. i.e. normally. If a kerbed wheel leads to a complete suspension change every time it happens "as a precuationary measure" these cars are very quickly going to become uninsurable.
I've driven all sorts of cars over the years and I've never been "scared" to drive anything through fear of damaging it. Same goes for my business partner. There are just so many occassions now when we both feel we simply can't use the Taycan that it's pointless keeping them.
So when they both arrive back from repair they will be going.
My first foray into Porsche ownership is going to be a short one and I'm unlikely to be visiting again. Which is a shame, these are lovely vehicles but I just can't own a car that I'm scared of driving through fear of damaging it through normal daily driving.
I suspect the issue is due to this one specific approved repairer - i've had dealings with them but have never queried their invoicing as this was settled by the insurer (Admiral on both occasions), although on both occasions, these were well into 5figures for what appeared to be superficial scuffs. Including a crack on the rear bumper & light unit of a cayenne(that's all).Clearly this isn't normal, my OPC and Insurer are both astonished at what's going on here.
I took delivery of this lovely looking car in early February and was absolutely delighted with it.
10 Days and less than 300 miles later it was being recovered to a Porsche Approved Repair specialist after I damaged a wheel.
Doesn't look too bad does it? Those two images above have lead to a close to £20,000 insurance claim.
So life with the Taycan 4S CT hasn’t gone as smooth as we were hoping.
I managed just under 300 miles in the first 10 days I had the car, then coming home from the gym one evening hit some debris/hardcore that had been washed into the road after heavy rain. Effectively I’ve kerbed a wheel and there’s a tiny scuff on the bodywork. Annoying but it is what it is. The impact wasn’t enough for the tyre to deflate, so I drove home and all was good and continued using the car until I figured out what it was going cost to repair.
There’s a chunk out of the wheel rim and a bit out of the side wall of the tyre and a scuff on the rear wheel. So new front wheel and tyre and a refurb required on the rear. Well that’s what I thought.
Over the next few days I used the car normally and it drove completely normally, but I was a little worried about the small chunk of tyre missing so kept it to short journey's
So I looked at buying a new wheel/tyre – £2,500 for the front, plus a refurb on the rear plus a little bit of paint so at that point I’m making an insurance claim. That’s where things started to go wrong.
The car was recovered to one of the Porsche Approved repairers – M&A Coachworks, North London. They inspected the car and phoned me a few days later.
It needs a new wheel and tyre for the front, a new wheel and tyre for the rear (Porsche don’t allow refurbs and if you replace the wheel you have to replace the tyre also despite it being brand new and undamaged).
New lower front splitter, new wheel arch and indicator, paint to lower edge of front bumper.
Porsche insist that due to the nature of the impact the suspension strut and entire suspension assembly on the corner concerned are replaced as they are made from Aluminium and may be damaged.
As the steering rack is a sealed unit and non serviceable that also may be damaged and required replacement, as this is attached to the steering column which is a sealed unit and may be damaged that also requires replacement.
The strut mounting point then had to be stress/crack tested, the bodyshell then needs to be put on a jig for an alignment check. Total cost around £15,000 + vat.
All for what is effectively a kerbed wheel.
So I objected with the insurer who agreed to an independent inspection, two in fact. Neither of which displayed any damaged to any of the huge list of components that have been slated to be replaced.
I asked if they could replaced the front wheel/tyre, take the car to a Porsche OPC for inspection and alignment check to see if any extra work was required – of course the insurers were all for this, the accident repair centre weren’t and stated unless all the work was carried out that they’d deemed necessary the warranty on the car would be invalidated by Porsche based on their assessment as a Porsche Approved repair centre.
So here we are a month later and the work has been authorized and I get the car back about mid April. The reality is no longer want it back.
With loan car costs, recovery costs and two inspection costs we're at close to £20,000.
My business partners 4S saloon also left on the back of a low loader for the second time in three months last week. It just looks like we're not meant to have these cars. Between us we've not had an insurance claim/accident in 25 years then we have 3 in three months.
Effectively I can't drive this Taycan on the roads in and around where I live for fear of damaging it (my business partners saloon suffering the same fate). It simply can't deal with the road surface/pot holes in the way any of my other cars (or business partners cars) can. i.e. normally. If a kerbed wheel leads to a complete suspension change every time it happens "as a precuationary measure" these cars are very quickly going to become uninsurable.
I've driven all sorts of cars over the years and I've never been "scared" to drive anything through fear of damaging it. Same goes for my business partner. There are just so many occassions now when we both feel we simply can't use the Taycan that it's pointless keeping them.
So when they both arrive back from repair they will be going.
My first foray into Porsche ownership is going to be a short one and I'm unlikely to be visiting again. Which is a shame, these are lovely vehicles but I just can't own a car that I'm scared of driving through fear of damaging it through normal daily driving.
Edited by 21ATS on Sunday 20th March 09:19
But if these are covered, surely that's the whole point of the insurance, ie that it is made back to good irrespective of cost of yourself?
londonlaw said:
I suspect the issue is due to this one specific approved repairer - i've had dealings with them but have never queried their invoicing as this was settled by the insurer (Admiral on both occasions), although on both occasions, these were well into 5figures for what appeared to be superficial scuffs. Including a crack on the rear bumper & light unit of a cayenne(that's all).
But if these are covered, surely that's the whole point of the insurance, ie that it is made back to good irrespective of cost of yourself?
I've got a brand new car that I feel is being uncessarily dismantled and rebuilt by what appears to be a repairer that gouges insurance work at every opportunity (my business partners car also went for repair at this bodyshop with the same result - and it appears also you had the same treatment).But if these are covered, surely that's the whole point of the insurance, ie that it is made back to good irrespective of cost of yourself?
I am without the use of my car for an extended period of time. It appears, taken on face value, that should I kerb my wheel again I'm faced with the same massive amount of seemingly uneccesary work.
These are not delicate weekend supercars designed to be handled with kid gloves, they are being sold as daily drivers, family saloons and estate. The sheer volume of precautionary work being undertaken on this car is not sustainable for long term ownership as a daily driver.
Fundamentally I don't believe it's necessary and I've taken it up with Porsche.
You may be comfortable with your car being dismantled and rebuilt in this manner, I'm not.
In my experience nearly all supposedly approved body shops charge excessively and replace parts which don't need replacing once they find out its an insurance scam (oops I meant claim).
Take the same damaged car in for a repair estimate making it perfectly clear from the outset that you intend paying yourself and I bet the estimate would be substantially less. Its an age old practice and accepted within the industry or they turn a blind eye.
No wonder premiums go up so often.
Take the same damaged car in for a repair estimate making it perfectly clear from the outset that you intend paying yourself and I bet the estimate would be substantially less. Its an age old practice and accepted within the industry or they turn a blind eye.
No wonder premiums go up so often.
It’s a business , and honestly Insurance industry/approved repairs shops etc is a mixed bag . And just a thought ..does anyone honesty think business are here for the customer or for them to make a profit . It’s not kosher but it is what it is .
All things aside 20000 pounds is a huge sum for kerbed wheel …Just buy a 911 next time
All things aside 20000 pounds is a huge sum for kerbed wheel …Just buy a 911 next time
Porsche991992 said:
It’s a business , and honestly Insurance industry/approved repairs shops etc is a mixed bag . And just a thought ..does anyone honesty think business are here for the customer or for them to make a profit . It’s not kosher but it is what it is .
All things aside 20000 pounds is a huge sum for kerbed wheel …Just buy a 911 next time
The Taycan CT is the only product Porsche make that I had any interest in. I'm never going to be a 911 owner. They simply don't appeal to me.All things aside 20000 pounds is a huge sum for kerbed wheel …Just buy a 911 next time
Having made it clear I'm not keeping the Taycan, I'm now being approached to move it on at over list. Even the supplying dealer is offering over list to buy it back. So once it arrives back from repair I'll get some firm bids and off it will go.
So whilst ownership (if you can call 10 days ownership) didn't pan out as hoped - at least we're not taking a financial bath and we're able to get out of these with zero cost implications.
21ATS said:
The Taycan CT is the only product Porsche make that I had any interest in. I'm never going to be a 911 owner. They simply don't appeal to me.
Having made it clear I'm not keeping the Taycan, I'm now being approached to move it on at over list. Even the supplying dealer is offering over list to buy it back. So once it arrives back from repair I'll get some firm bids and off it will go.
So whilst ownership (if you can call 10 days ownership) didn't pan out as hoped - at least we're not taking a financial bath and we're able to get out of these with zero cost implications.
Fair point, Sell it back to dealership especially as they are offering over list . And yes you are spot on , you did not take a financial bath . Having made it clear I'm not keeping the Taycan, I'm now being approached to move it on at over list. Even the supplying dealer is offering over list to buy it back. So once it arrives back from repair I'll get some firm bids and off it will go.
So whilst ownership (if you can call 10 days ownership) didn't pan out as hoped - at least we're not taking a financial bath and we're able to get out of these with zero cost implications.
Good/Better fortunes in your next purchase
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