Engine Fire

AllKiller · Post by **AllKiller** » Tue Aug 27, 13 10:17 am

One bonafide claim isn't going to change the insurance premiums

Premium rising ....this stuff is a business for some scum and that's whats doing it.

Agreed its not so bad ...just gutting.

Id double check you didn't have a fuel pipe loose or to near anything hot etc... as insurance companies love to wriggle out of paying

Ivor · Post by **Ivor** » Tue Aug 27, 13 1:31 pm

If it was my car, I wouldn't get the insurance company involved, I'd just roll my sleeves up and get it fixed.

It saves a whole lot of hassle and you don't end up with the car in the hands of a bodyshop that is having to work down to a price rather than up to a standard...but that's me personally!

As Steve says, insurance companies make their money by not paying out and the insurance inspector may identify something that could be identified as "vehicle not maintained to a safe and acceptable level" and as he's already on his way there's nothing you can do about that.

With comparatively minor damage such as this, I can't see the insurance company writing the car off, so I would see what the offer is first and make sure you can specify a repairer of your choice.

andyrob · Post by **andyrob** » Tue Aug 27, 13 3:09 pm

as said settlement + keep the car
is always my advice on old and/or oddball cars

Cannonball · Post by **Cannonball** » Tue Aug 27, 13 6:16 pm

andyrob wrote:as said settlement + keep the car
is always my advice on old and/or oddball cars

so what do you think £1,000-£1,500 plus the car back ??? would not seem worth the risk of the insurance company putting it in one of them c or d write off catagories ???

andyrob · Post by **andyrob** » Tue Aug 27, 13 7:36 pm

Sorry no Dunc, I dont know this car, but lets say insurance agreed value is £20k, but in the real world its worth £15k from experience yes they would record it as cat c or d but WOULD probably pay out cira £13-14K +car back

£1000-£1500 would be for a tiny little repair to a car at the prices insurance approved bodyshops charge.
I regularly see see repair estimates for over £20k when really the car be fixed for a fraction of that.
with some of the light damage cars I sell,I regularly get asked why have they written it off ???

Bozwell · Post by **Bozwell** » Tue Aug 27, 13 8:22 pm

i think your confusing old classics with modern cars. i can't see that repair being anymore than £5,000 max. and that would be a little steep.

plus i'm sure you don't need to go to an approved repairer for classic cars, you just take it to your favorite paintshop for the paint and your favorite mechanic for the rest. this'll keep the owner happy and probably cheaper for the insurance company anyway.

insurance will just want to pay out to get the car back to as it was, not to do a full rebuild and send the family on holiday. while the insurance work is being done anything on top of the repair would be out of the owners pocket.

andyrob · Post by **andyrob** » Tue Aug 27, 13 8:26 pm

ok you know better than me, just been doing for a living for the last 20 yrs +

Bozwell · Post by **Bozwell** » Tue Aug 27, 13 8:42 pm

doing what for a living? you see regular £20k repairs of what? i'm not a mind reader

i'm not saying the op shouldn't claim, i just can't see a £15,000 repair writing the car off.

Dave-R · Post by **Dave-R** » Tue Aug 27, 13 8:56 pm

Bozwell wrote:doing what for a living? you see regular £20k repairs of what? i'm not a mind reader

He sells insurance write-offs for a living.

Bozwell · Post by **Bozwell** » Tue Aug 27, 13 9:12 pm

oh and Deano, there are a few bodyshops still allowed to use 2 pac paint if they specialise in classic cars. i'm sure there must be some members on here that know where you could take it to for repair?

looks like a set of plug leads and sort the fuel lines out and insulate some wires will probably get you back on the road to drive it to a recomended paint/repair shop.

Cannonball · Post by **Cannonball** » Tue Aug 27, 13 9:14 pm

andyrob wrote:Sorry no Dunc, I dont know this car, but lets say insurance agreed value is £20k, but in the real world its worth £15k from experience yes they would record it as cat c or d but WOULD probably pay out cira £13-14K +car back

£1000-£1500 would be for a tiny little repair to a car at the prices insurance approved bodyshops charge.
I regularly see see repair estimates for over £20k when really the car be fixed for a fraction of that.
with some of the light damage cars I sell,I regularly get asked why have they written it off ???

right i had no idea was just seeing it at the price i said, which i would charge to sort this out,

Mick · Post by **Mick** » Wed Aug 28, 13 12:34 pm

13 to 14 thousand would be maybe between 130 to 140 policies. How many claims would it take for them to think it's not economically viable.
Mick

Dave-R · Post by **Dave-R** » Wed Aug 28, 13 12:44 pm

Woman at work here got caught by a flash flood last year. Car was OK. Just wet carpet as the water came in the bottom of the door.

Insurance company wrote it off. 3-4 year old car.

Mick · Post by **Mick** » Wed Aug 28, 13 8:13 pm

I backed my Satellite into the garage on sunday and managed to rearrange the rear wheel arch. Maybe i should put a claim in and see if they'll write it off, or maybe, i could get the slide hammer out and try and pull it out.
Mick

Dave81 · Post by **Dave81** » Wed Aug 28, 13 8:46 pm

Mick wrote:I backed my Satellite into the garage on sunday and managed to rearrange the rear wheel arch. Maybe i should put a claim in and see if they'll write it off, or maybe, i could get the slide hammer out and try and pull it out.
Mick

As in my post earlier.....Two completely different types of claim!

For this you should sit in the corner and think about what you've done then put your hand in your pockets!

For a fire..............Insurance.

The dented car is most probably driveable, but unsightly.

The barbecued engine is not, and for us mere mortals would probably be off the road for at least 12 months while i saved the money to fix. Expensive garage ornament if you asked me!

Insurance by its very nature would help fix a LEGITIMATE claim in a timely matter and get the car back on the road as fast as possible!

Not singling you out Mick, but.............Please remember, not everyone, has the resources, finances or knowledge of some of you guys commenting on this thread!

If you had a small fire in the kitchen at home, would you elect to pay yourself for the sake of everyone elses home insurance...................?

If your mobile is insured and you drop it and smash the screen.......Would you pay the £125 Samsung charge to replace it or go through the insurance you pay £8 a month for................?