Golf R engine blown
Discussion
Welshbeef said:
HONESLTY that’s what I believed would have been he case from the off - drive a car by vault into a wall insurance pays you pay excess + premium hike or anything else.
I’d never considered the scenario pre the thread but good to see OP got it sorted + cash back before Xmas well played.
That's a fair point, fudging a gear change and blowing up an engine or running out of talent and falling off the road both result in accidental damage caused by the driver, so fully comp insurance should fix either case. I’d never considered the scenario pre the thread but good to see OP got it sorted + cash back before Xmas well played.
I guess the problem would be if the car was not as new as the OPs, and the insurance could claim a failure was caused by wear and tear rather than accidental damage.
Frankstar123 said:
Good news Beanie!
You buying an automatic next
Seriously though anyone reading this who get refused an insurance payout, always always take it to ombudsman.
It's a good result for the OP, but the ombudsman hasn't so far ruled on the case (and likely wouldn't do for a long time) although his insurer seems to have capitulated.You buying an automatic next
Seriously though anyone reading this who get refused an insurance payout, always always take it to ombudsman.
OP was there any explanation of why this damage is covered by your insurance?
Hi Beanie,
I must admit that I have just spent the best part of an hour reading through all 36 pages of this thread, and I can't express how chuffed I am with the outcome. Well done.
It would be interesting to find out if there ever was a over-rev on the old engine, but I'm guessing we'll never find out. It's not like VW are going to turn around and say "Hey guess what, it was a faulty sensor all along! No harm done eh?"
All the best,
Kev
I must admit that I have just spent the best part of an hour reading through all 36 pages of this thread, and I can't express how chuffed I am with the outcome. Well done.
It would be interesting to find out if there ever was a over-rev on the old engine, but I'm guessing we'll never find out. It's not like VW are going to turn around and say "Hey guess what, it was a faulty sensor all along! No harm done eh?"
All the best,
Kev
Beanie said:
The financial ombudsman governs the insurance industry.
Yes the ombudsman hasn't needed to rule, just the complaint was enough for the insurer to take a look. Resolved. Case closed.
It was covered as accidental damage - at fault.
Insurance companies have to pay for the ombudsman investigation, so if they aren't absolutely certain of their case they'll often cut their losses at that pointYes the ombudsman hasn't needed to rule, just the complaint was enough for the insurer to take a look. Resolved. Case closed.
It was covered as accidental damage - at fault.
Think I've ignored this thread for a good 25+ pages now, glad there was a thread revival to let us know the outcome though.. and very glad that you got it sorted out Beanie. It was an almost ideal outcome; you got your money back and those who think they can do what they like (dealerships/insurance companies) have been called out and had a rocket up their ar$es!!
Beanie said:
I see your point but where do you draw the line?
Same can be said for putting wrong fuel in
Or front ending a car on purpose, may aswel get the stone chips on the bonnet and the engine done at the same time?
That's why there are insurance investigators, to stop fraud.
I had nothing to gain from it
The people who put the wrong fuel in are just as stupid as the people who destroy engines, but thankfully for our premiums, one is considerably cheaper than the other to put right. And some ins companies actually cover misfuelling. They don't and shouldn't cover ineptitude behind the wheel.Same can be said for putting wrong fuel in
Or front ending a car on purpose, may aswel get the stone chips on the bonnet and the engine done at the same time?
That's why there are insurance investigators, to stop fraud.
I had nothing to gain from it
Perhaps I should drive my car through my living room wall and get my insurance company to pay for a new car, and a new house? What do I have to lose? What should I care if it's moral fraud or not? Why should I take any responsibility for my own actions?
SuperchargedVR6 said:
The people who put the wrong fuel in are just as stupid as the people who destroy engines, but thankfully for our premiums, one is considerably cheaper than the other to put right. And some ins companies actually cover misfuelling. They don't and shouldn't cover ineptitude behind the wheel.
Perhaps I should drive my car through my living room wall and get my insurance company to pay for a new car, and a new house? What do I have to lose? What should I care if it's moral fraud or not? Why should I take any responsibility for my own actions?
Going by that same ethos you would dismiss 99% of claims as most accidents are caused by driver error. You buy insurance and pay whopping premiums each year to protect against costly mistakes. I'm glad the OP managed to get it covered by the insurance, in my eyes it's no different to piling into the back of someone because you weren't concentrating enough.Perhaps I should drive my car through my living room wall and get my insurance company to pay for a new car, and a new house? What do I have to lose? What should I care if it's moral fraud or not? Why should I take any responsibility for my own actions?
SuperchargedVR6 said:
Beanie said:
I see your point but where do you draw the line?
Same can be said for putting wrong fuel in
Or front ending a car on purpose, may aswel get the stone chips on the bonnet and the engine done at the same time?
That's why there are insurance investigators, to stop fraud.
I had nothing to gain from it
The people who put the wrong fuel in are just as stupid as the people who destroy engines, but thankfully for our premiums, one is considerably cheaper than the other to put right. And some ins companies actually cover misfuelling. They don't and shouldn't cover ineptitude behind the wheel.Same can be said for putting wrong fuel in
Or front ending a car on purpose, may aswel get the stone chips on the bonnet and the engine done at the same time?
That's why there are insurance investigators, to stop fraud.
I had nothing to gain from it
Perhaps I should drive my car through my living room wall and get my insurance company to pay for a new car, and a new house? What do I have to lose? What should I care if it's moral fraud or not? Why should I take any responsibility for my own actions?
The industry will have done well out of my premiums to date and made a fortune. And I'm damn sure they will make me pay in my future premiums for my 1 claim in 20 years.
I'm sure from your response you have never ever made an 'at fault claim' on your insurance. I suppose you never will need to either???
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