Claiming on insurance for engine damage?
Discussion
Quick question...
Is it possible to put a claim in on your car insurance for damage caused to an engine by a freak accident (sheared bolt which damaged the cambelt and caused engine/valve/camshaft damage)?
My thoughts are no, because you weren't involved in a road traffic accident as such. But then I saw a thread on here elsewhere about filling a diesel with petrol, and one poster said insurance companies will cover to replace the fuel system if required in this case... which got me thinking.
Any ideas?
Is it possible to put a claim in on your car insurance for damage caused to an engine by a freak accident (sheared bolt which damaged the cambelt and caused engine/valve/camshaft damage)?
My thoughts are no, because you weren't involved in a road traffic accident as such. But then I saw a thread on here elsewhere about filling a diesel with petrol, and one poster said insurance companies will cover to replace the fuel system if required in this case... which got me thinking.
Any ideas?
I heard (I think it was on here) somebody successfully claiming for engine damage. IIRC he'd overrevved the engine and blown it up. The insurance company initially refused to pay because it was his fault, but I think he took them to court using the argument that if he'd driven it into a wall it would also be his fault but covered.
sixspeed said:
Is it possible to put a claim in on your car insurance for damage caused to an engine by a freak accident (sheared bolt which damaged the cambelt and caused engine/valve/camshaft damage)?
Wouldn't have thought so. I've read of a couple of flood damage cases where engine replacement has been paid for by the insurers, but the case you describe is simple mechanical failure, not accidental damage and no-one to "blame".You need a warranty for this type of insurance.
But I'm not an expert...just my 2p.
wrinx
Edited by wrinx on Monday 31st December 23:35
wrinx said:
sixspeed said:
Is it possible to put a claim in on your car insurance for damage caused to an engine by a freak accident (sheared bolt which damaged the cambelt and caused engine/valve/camshaft damage)?
Wouldn't have thought so. I've read of a couple of flood damage cases where engine replacement has been paid for by the insurers, but the case you describe is simple mechanical failure, not accidental damage and no-one to "blame".You need a warranty for this type of insurance.
But I'm not an expert...just my 2p.
wrinx
Edited by wrinx on Monday 31st December 23:35
Read your policy! It will say something like,
"If your car is damaged, we will pay ......" (Direct Line)
In plain English this means your car must be damaged by some external factor. You are not covered for situations where you car becomes damaged of its own accord.
In the example of handbrake cable failure it is the subsequent collision event which gives rise to a valid insurance claim, not the cable failure itself.
"If your car is damaged, we will pay ......" (Direct Line)
In plain English this means your car must be damaged by some external factor. You are not covered for situations where you car becomes damaged of its own accord.
In the example of handbrake cable failure it is the subsequent collision event which gives rise to a valid insurance claim, not the cable failure itself.
Accidental Damage cover is what it says. Indemnification of a specific vehicle against losses arising from the peril of "accident". Thus mehcanical failure is specifically excluded. So if you engine seizes, it isn't covered. But it your engine seizes, which causes you to hit a tree, the tree damage is covered but not the engine.
Ozzie Osmond said:
Read your policy! It will say something like,
"If your car is damaged, we will pay ......" (Direct Line)
In plain English this means your car must be damaged by some external factor. You are not covered for situations where you car becomes damaged of its own accord.
In the example of handbrake cable failure it is the subsequent collision event which gives rise to a valid insurance claim, not the cable failure itself.
So, if something in your car breaks (cam belt) and it damages itself you don't get paid, but if something breaks, ie the handbrake cable and your car damages itself on something else then you do get paid? "If your car is damaged, we will pay ......" (Direct Line)
In plain English this means your car must be damaged by some external factor. You are not covered for situations where you car becomes damaged of its own accord.
In the example of handbrake cable failure it is the subsequent collision event which gives rise to a valid insurance claim, not the cable failure itself.
I'd like to see the exact small print in plain English that details those parameters.
Rags said:
Rubbish.
A chap on the Z3MCoupe forum claimed on his insurance for a knackered engine, so it can be done..........
Chap at work blew his gearbox up as he shoved it into 2nd when he should have gone from 5th to 4th on the motorway.A chap on the Z3MCoupe forum claimed on his insurance for a knackered engine, so it can be done..........
Initially his insurance company told him to stick it but he persisted and got something out of them, not sure if they paid out the full amount but got the majority of the money.
Citizens Advice Bureau ??
My old boss drove through some water in his XR 4x4 and ruined the engine , it sucked some water up and hydrauliced , he made a succesful claim but they gave him a percentage of the repair cost as they felt they shouldnt pay 100% of a new engine as his engine had already done 50,000 miles
King Herald said:
I'd like to see the exact small print in plain English that details those parameters.
That is the exact wording in plain English! Direct Line policy wording is short, complete and covers the necessary ground. What it doesn't say and doesn't imply is "If your car breaks down we will pay to fix it."Got to say that car insurance does not cover "mechanical faults" i.e. a snapped cambelt that damages the engine.
If you had accidentally caused the damage such as the above post for putting the car into 2nd instead of 5th then you would be covered.
All I am implying is that your insurance company will send an engineer to look at the damage and they will instantly see a mechanical fault and give your car back.
If you had accidentally caused the damage such as the above post for putting the car into 2nd instead of 5th then you would be covered.
All I am implying is that your insurance company will send an engineer to look at the damage and they will instantly see a mechanical fault and give your car back.
Specifically excluded Im afraid as classed as wear & tear. As for the scenario of running through a flood & ingesting water into the cylinders (hydrolock ?), that is covered as its an Insured peril, ie accidental damage caused by driving through water.
As advised though, Insurers will make a deduction on any replacement engine costs to take into account the mileage covered by the car itself, so the higher the mileage, the higher the contribution you woulod have to pay.
Great fun Insurance isnt it ?
As advised though, Insurers will make a deduction on any replacement engine costs to take into account the mileage covered by the car itself, so the higher the mileage, the higher the contribution you woulod have to pay.
Great fun Insurance isnt it ?
ERS Policy Booklet said:
This section of your insurance does not cover the following.
■ The amount of any excess shown in the schedule.
■ An amount as compensation for you not being able to use your vehicle (including
the cost of hiring another vehicle).
■ Wear and tear.
■ Failures, breakdowns or breakages of mechanical, electrical, electronic or computer
equipment.
■ The vehicle’s value reducing, including loss of value as a result of damage, whether
repaired or not.
■ Repairs or replacements which improve the condition of the vehicle.
■ Damage to tyres, unless caused by an accident to your vehicle.
■ Damage due to liquid freezing in the cooling system, unless you have taken
reasonable precautions as laid down by the vehicle manufacturer’s instructions.
■ Any amount over the last known list price of any part or accessory, plus the
reasonable cost of fitting the part or accessory, if the vehicle manufacturer or its
agent cannot supply it from stock held in the United Kingdom.
■ Loss of or damage to the vehicle by someone who got it by fraud or deception.
■ Loss resulting from repossessing the vehicle and returning it to its rightful owner.
■ Loss of or damage to your vehicle or its contents by theft or attempted theft or an
unauthorised person taking and driving it if:
■ it has been left unlocked;
■ it has been left with the keys in it;
■ it has been left with the windows, roof panel or the roof of a convertible vehicle
open; or
■ reasonable precautions have not been taken to protect it.
Can be found on page 17 of the ERS policy booklet here --> Right click, save as■ The amount of any excess shown in the schedule.
■ An amount as compensation for you not being able to use your vehicle (including
the cost of hiring another vehicle).
■ Wear and tear.
■ Failures, breakdowns or breakages of mechanical, electrical, electronic or computer
equipment.
■ The vehicle’s value reducing, including loss of value as a result of damage, whether
repaired or not.
■ Repairs or replacements which improve the condition of the vehicle.
■ Damage to tyres, unless caused by an accident to your vehicle.
■ Damage due to liquid freezing in the cooling system, unless you have taken
reasonable precautions as laid down by the vehicle manufacturer’s instructions.
■ Any amount over the last known list price of any part or accessory, plus the
reasonable cost of fitting the part or accessory, if the vehicle manufacturer or its
agent cannot supply it from stock held in the United Kingdom.
■ Loss of or damage to the vehicle by someone who got it by fraud or deception.
■ Loss resulting from repossessing the vehicle and returning it to its rightful owner.
■ Loss of or damage to your vehicle or its contents by theft or attempted theft or an
unauthorised person taking and driving it if:
■ it has been left unlocked;
■ it has been left with the keys in it;
■ it has been left with the windows, roof panel or the roof of a convertible vehicle
open; or
■ reasonable precautions have not been taken to protect it.
Slinky said:
ERS Policy Booklet said:
This section of your insurance does not cover the following.
• The amount of any excess shown in the schedule.
• An amount as compensation for you not being able to use your vehicle (including the cost of hiring another vehicle).
• Wear and tear.
• Failures, breakdowns or breakages of mechanical, electrical, electronic or computer equipment.
• The vehicle’s value reducing, including loss of value as a result of damage, whether repaired or not.
• Repairs or replacements which improve the condition of the vehicle.
• Damage to tyres, unless caused by an accident to your vehicle.
• Damage due to liquid freezing in the cooling system, unless you have taken reasonable precautions as laid down by the vehicle manufacturer’s instructions.
• Any amount over the last known list price of any part or accessory, plus the reasonable cost of fitting the part or accessory, if the vehicle manufacturer or its agent cannot supply it from stock held in the United Kingdom.
• Loss of or damage to the vehicle by someone who got it by fraud or deception.
• Loss resulting from repossessing the vehicle and returning it to its rightful owner.
• Loss of or damage to your vehicle or its contents by theft or attempted theft or an unauthorised person taking and driving it if:
- it has been left unlocked;
- it has been left with the keys in it;
- it has been left with the windows, roof panel or the roof of a convertible vehicle open; or
- reasonable precautions have not been taken to protect it.
Can be found on page 17 of the ERS policy booklet here --> Right click, save as• The amount of any excess shown in the schedule.
• An amount as compensation for you not being able to use your vehicle (including the cost of hiring another vehicle).
• Wear and tear.
• Failures, breakdowns or breakages of mechanical, electrical, electronic or computer equipment.
• The vehicle’s value reducing, including loss of value as a result of damage, whether repaired or not.
• Repairs or replacements which improve the condition of the vehicle.
• Damage to tyres, unless caused by an accident to your vehicle.
• Damage due to liquid freezing in the cooling system, unless you have taken reasonable precautions as laid down by the vehicle manufacturer’s instructions.
• Any amount over the last known list price of any part or accessory, plus the reasonable cost of fitting the part or accessory, if the vehicle manufacturer or its agent cannot supply it from stock held in the United Kingdom.
• Loss of or damage to the vehicle by someone who got it by fraud or deception.
• Loss resulting from repossessing the vehicle and returning it to its rightful owner.
• Loss of or damage to your vehicle or its contents by theft or attempted theft or an unauthorised person taking and driving it if:
- it has been left unlocked;
- it has been left with the keys in it;
- it has been left with the windows, roof panel or the roof of a convertible vehicle open; or
- reasonable precautions have not been taken to protect it.
Edited by mmm-five on Wednesday 2nd January 14:39
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