Claiming on Insurance For Mechanical Repairs

ytareh

Advice anybody please?-Made a claim against my insurance in last 12 months for a major mechanical repair job on car (slpit sump),roughly 750 euro ,paid 200-250 excess as a result of very minor collision-hit small rock in road...Now find with another vehicle I am facing a 1000 euro bill for mechanical damage which is broadly speaking due to a nut retaining timing belt pulley wheel having worked loose ...I presume either -A- a second claim in under 12 months would decimate NCB or /and -B- this wouldnt qualify as a claimable 'incident'?Do not have option to 'pursue' either previous owner or negligent mechanic etc ...

Random

if the damage isn't as a result of an accident you more than likely won't be able to claim. your insurance policy generally won't cover mechanical breakdown. your sump was covered before because the accident (hitting the rock on the road) was more than likely cause of the breakdown.

slimjimmc

Mechanical breakdown is unlikely to be covered under standard motor insurance even comprehensive.
AXA certainly excludes it from their policy (pdf)

You are also not covered for the following
- Loss of use or any other resulting loss.
- Reduction in your car’s value because it has been repaired.
- Wear and tear.
- Mechanical or electrical failure, breakdowns or breakages.

Looks like this one will have to come out of out own pocket, very unfortunate for it to happen in the first place.

bazz26

If mechanical failures were covered by insurance policies then most insurance companies would be bankrupt by now.

Think of it this way if your oven or a tv just decided to die one day would they be covered under your house insurance?

L1011

bazz26 wrote: »

Think of it this way if your oven or a tv just decided to die one day would they be covered under your house insurance?

They often are... seeing as it can be claimed as accidental damage or electrical problems, etc. However, the excess would make it not worth claiming in most cases.

oldyouth

MYOB wrote: »

They often are... seeing as it can be claimed as accidental damage or electrical problems, etc. However, the excess would make it not worth claiming in most cases.

Drifting off thread but mechanical or electrical derangement is specifically excluded on house insurance policies. However but the principal is the same as per the advice given to the OP by Bazz26 and Random

kildare.17hmr

ytareh wrote: »

Do not have option to 'pursue' either previous owner or negligent mechanic etc ...

Previous owner deffo not, they did not break your car!

mechanic, possably if you had the part changed recently and it was faulty or the job done incorrectly. if you have not had any work like this done its down to you.

what car? how long ya had it?