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Author Insurance claim query
John
Member
Registered: 30th Jun 03
User status: Offline
19th Nov 11 at 20:13   View User's Profile U2U Member Reply With Quote
Would an insurance company pay out/write off a car for an engine damaged beyond repair?
Jambo
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Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
19th Nov 11 at 20:14   View User's Profile U2U Member Reply With Quote
Circumstances would be if it was stolen or crashed. So I doubt it. Or burnt obviously. It's not a warranty

[Edited on 19-11-2011 by Jambo]
John
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Registered: 30th Jun 03
User status: Offline
19th Nov 11 at 20:16   View User's Profile U2U Member Reply With Quote
The engine over revving has actually caused a slight crash but that on its own would t be enough to write it off.
Jambo
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Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
19th Nov 11 at 20:30   View User's Profile U2U Member Reply With Quote
Well if it caused a crash then I would say its covered. That would just be the reason. It will affect ncb tough as it would be deemed your fault with no third party to claim from.
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
20th Nov 11 at 10:53   View Garage View User's Profile U2U Member Reply With Quote
Don't see why not, I worked with someone who claimed for a new gearbox on his insurance as he couldn't afford a new one when he shamed it on a speedbump
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
User status: Online
20th Nov 11 at 16:21   View Garage View User's Profile U2U Member Reply With Quote
The engine revs caused a crash? Go on?

Gearbox one as described above is a normal road accident you just damaged undercarriage not panels. That's fairly common.
John
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Registered: 30th Jun 03
User status: Offline
20th Nov 11 at 16:59   View User's Profile U2U Member Reply With Quote
Turbo burning oil and causing engine to redline, then driver possibly pulling the key out and the steering lock going on caused the crash

Was just wondering. Was only glancing mirrors, in this situation it would have been better if it was a proper crash.
LeeM
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Registered: 26th Sep 05
Location: Liverpool
User status: Offline
20th Nov 11 at 17:04   View User's Profile U2U Member Reply With Quote
it depends on the policy terms. it would be better to ring the insurer in question
Graeme
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Registered: 26th Jul 04
Location: Northampton
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20th Nov 11 at 17:06   View Garage View User's Profile U2U Member Reply With Quote
Some will. We have just written off a mk4 astra as the engine is knocking its tits off.
Ian
Site Administrator

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Registered: 28th Aug 99
Location: Liverpool
User status: Online
20th Nov 11 at 17:07   View Garage View User's Profile U2U Member Reply With Quote
Depends if the policy protects against people being a dickhead.
John
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Registered: 30th Jun 03
User status: Offline
20th Nov 11 at 17:08   View User's Profile U2U Member Reply With Quote
It wasn't quite being a dickhead but yes, driver error.
Tomnova16
Premium Member

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Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
User status: Offline
20th Nov 11 at 17:13   View Garage View User's Profile U2U Member Reply With Quote
Dads car was written off after driving through a flood

http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter
Toby
Premium Member

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Registered: 29th Nov 05
User status: Offline
20th Nov 11 at 23:14   View Garage View User's Profile U2U Member Reply With Quote
a guy i used to work with didnt get paid out when an electrical problem fucked his engine when he tried to claim

 
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