Motor Insurance - is it just for accidents and thieft???

[deanogtv]

Some guy in work has just asked this question and I'm unsure of the answer.

His engine and gear box has just gone bang in his 4 year old Audi A3 looking to cost him a shed load of cash. Can he claim on his insurance??? or is it just incediant claims you can claim on??
He only has a year NCB

[98elise]

Just for accidents, theft, fire etc. Not mechanical failures

[tomsugden]

He can't claim for mechanical failure.

[98elise]

...just to add, killing the engine and gearbox on a 4 year old audi is going some. What did he do to break it?

[deanogtv]

98elise said:

...just to add, killing the engine and gearbox on a 4 year old audi is going some. What did he do to break it?

Just as I thought, thanks for the confirmation.

I'll suggest he finds a big hill in the middle of nowhere and takes the hand brake off. What would the insurance say then???

[the stigs dad]

Warranty and insurance are two different things.

[scorcher]

And insurance fraud is a whole new kettle of fish.

[Coldfuse]

scorcher said:

And insurance fraud is a whole new kettle of fish.

Theres always one isn't there!

[scorcher]

Coldfuse said:

scorcher said:

And insurance fraud is a whole new kettle of fish.

Theres always one isn't there!

And your point is?

[ZOLLAR]

deanogtv said:

Just as I thought, thanks for the confirmation.

I'll suggest he finds a big hill in the middle of nowhere and takes the hand brake off. What would the insurance say then???

To which the insurers query..

What were you doing in the middle of nowhere with a ruined gearbox? (Damage can be examined to see how long its been like that)

Why was the handbrake left off as there is no damage to it?

[Crusoe]

Depends how the engine got damaged: drive through a flood and hydro-lock the engine and they would pay out, over rev a down change and send a rod through the block and it would come out of your own pocket. Is a bit of a grey area though as to what would be accidental though.

[steveo3002]

prob be best for it to catch fire rather than roll down a hill

[TheTurbonator]

steveo3002 said:

prob be best for it to catch fire rather than roll down a hill

Or get it stolen.