Can i claim against my own policy for mechanical damage?

[waltergti]

Hi all
long time reader, first time poster

I was wondering if i could claim against my own insurance policy for mechanical work? I have a 2002 Polo 1.2 se which has had engine failure last week, and i cannot afford the repair costs.

thanks
any advice welcome

[Strawman]

No sorry, unless the mechanical failure was caused by a road traffic accident.

[Engineer1]

As said above only if the damage was done in an accident or incident such as water into the engine. Simple failure is a warranty issue, assuming it isn't due to missed servicing or similar.

[SimonV8ster]

I don't think it just has to be a road traffic accident.

A pleb at work decided to stick his car into 1st on the motorway, mashed his engine up big time. I guess it was an accident so he got his insurance to pay for some of the damage. It did take a bloody long time though and lots of highly amusing embarasing phone calls whilst at work.

[waltergti]

thanks for the help, will ring my insurance tomorrow and see what they say

[paolow]

waltergti said:

thanks for the help, will ring my insurance tomorrow and see what they say

Why are you calling us with this? would be my guess. I would be very surprised if your insurance entertain the idea of paying out because your 8 year old car has lunched its engine...

[fathomfive]

What was the cause of the engine failure?

[anonymous-user]

On one hand it depends on the wording of your policy, but on the other every policy I've ever had has specifically excluded mechanical failure and wear + tear.