Be wary of FBD insurance.

liamc1

Be very of FBD insurance, they are no longer the friendly Irish that they like to portray themselves as. I recently had an accident with my car, i hit a pothole and damaged the sump, this type of accident is covered under my policy.
When it came to the crunch they claimed that the hole in the sump was a result of the engine oil running low although the tow truck driver witnessed the oil on the road. has anyone else had an experience like this before.

whelan1

thanks for the interesting first post

drunkmonkey

Would the local council not be responsible?

Rovi

[Farming & Forestry mod}
Moved to Motors forum.
[/Farming & Forestry mod]

CiniO

liamc1 wrote: »

Be very of FBD insurance, they are no longer the friendly Irish that they like to portray themselves as. I recently had an accident with my car, i hit a pothole and damaged the sump, this type of accident is covered under my policy.
When it came to the crunch they claimed that the hole in the sump was a result of the engine oil running low although the tow truck driver witnessed the oil on the road. has anyone else had an experience like this before.

I would ask them for technical explanation of "how low level of oil can cause hole in sump to appear"...

Figerty

I was on told on Thursday that FBD are squeezing every claim now and are very slow to payout..so if you can get an independent assessor to verify your claim then go after it.

You have a witness and what apprears to be a ridiculus claim by FBD. Go after them.

Low oil will not cause a hole in the sump, a hole in the sump will cause low oil. I lost my sump nut on my last car one evening on road with a high middle. I was suspicious there was something up and managed to get home just before the oil light flickered on. No damage done but I was lucky.. Engine did another 100,000 afterwards.

shawnee

drunkmonkey wrote: »

Would the local council not be responsible?

You have as much chance of getting money from a county council for that as you have of getting a loan from Anglo Irish Bank

10-10-20

Who made this assessment? Did they send out an engineer to the vehicle? If so, request the engineer's report and consider getting an independent report done yourself.
While I can't see how they came up with this, we don't know the full details and perhaps the engineer suspects that there was an underlying fault which was exacerbated by the pothole.

MugMugs

How does a pot hole hit the sump is the question id be asking tbh

Pottler

They've sump neck. Welshers. Insurance is getting like pensions, a one way street for your money.

Richard tea

Are FBD & No Nonsence the same company?

http://www.boards.ie/vbulletin/showthread.php?t=2056767091

OP, How on earth do you join Boards in 2009 and wait till now to make a first post

MugMugs

Pottler wrote: »

They've sump neck. Welshers. Insurance is getting like pensions, a one way street for your money.

You're hearing one side of the story to be fair.

Impact on the sump whilst driving draining the engine causes mechanical failure. Mechanical failure is generally excluded however the hit is covered and is the proximate cause of the issue. I think the OP is holding something back or FBD know something....

Op if you're out to cause negative press for your insurer then fair enough, but if you're looking for advice, complain, request a final response and refer to the ombudsman for further impartial review.

MugMugs

Richard tea wrote: »

Are FBD & No Nonsence the same company?

http://www.boards.ie/vbulletin/showthread.php?t=2056767091

OP, How on earth do you join Boards in 2009 and wait till now to make a first post

Kind of, yes. FBD underwrite No Nonsense.

Pottler

MugMugs wrote: »

You're hearing one side of the story to be fair.

Impact on the sump whilst driving draining the engine causes mechanical failure. Mechanical failure is generally excluded however the hit is covered and is the proximate cause of the issue. I think the OP is holding something back or FBD know something....

Op if you're out to cause negative press for your insurer then fair enough, but if you're looking for advice, complain, request a final response and refer to the ombudsman for further impartial review.

Sorry, I just wanted to make a "sump" joke. I always find FBD great. That may seem a tad immature, which is ok by me. There are plenty of other people around to do the whole "mature" thing.

Kenny Logins

liamc1 wrote: »

Be very of FBD insurance, they are no longer the friendly Irish that they like to portray themselves as. I recently had an accident with my car, i hit a pothole and damaged the sump, this type of accident is covered under my policy.
When it came to the crunch they claimed that the hole in the sump was a result of the engine oil running low although the tow truck driver witnessed the oil on the road. has anyone else had an experience like this before.

They'll cover you for the hole in the sump but not the destroyed engine after you continued driving?

Sounds reasonable.

Pottler

Kenny Logins wrote: »

They'll cover you for the hole in the sump but not the destroyed engine after you continued driving?

Sounds reasonable.

How much is a sump? €50? How do you put a price on a hole? Are big ones dearer?

mickdw

MugMugs wrote: »

How does a pot hole hit the sump is the question id be asking tbh

There is no doubt that this can happen. Wheel drops into a massive pothole and sump catches the ground - even easier if driver is hard on the brakes. 2 previous cars ive had - an old audi and an alfa could both rub the sump on the road pretty easily without a pothole. Sharp bumps in the road could also easily cause the sump to be damaged.
The insurers surely have to pay out if you are genuine.

Someone mentioned getting the council to pay. That is only a runner if you have evidence of a defective repair on the pothole of some direct evidence of negligence on their behalf. If the road deteriorated randomly to create the pothole, they are not liable. They should be liable but being Ireland, the government here (back in the 70s) decided not to bring into law a european directive that would have made them liable in all cases where a road was in substandard condition. Just shows that they can ignore europe when it suits.

Pottler

Surely it's the "edge of the pothole" that is to blame. Whenever I've hit a hole, it's never the hole that hurts/does the damage, it's the bit that isn't a hole that does the bad.

Kenny Logins

Pottler wrote: »

Surely it's the "edge of the pothole" that is to blame. Whenever I've hit a hole, it's never the hole that hurts/does the damage, it's the bit that isn't a hole that does the bad.

Yeah, but it's the bit that is absent that causes it.

-Corkie-

whelan1 wrote: »

thanks for the interesting first post

An even more intresting banner ad I got a screen shot of.....:D:D

Figerty

Kenny Logins wrote: »

They'll cover you for the hole in the sump but not the destroyed engine after you continued driving?

Sounds reasonable.

I tend to disagree with this. Oil can leak in seconds. While the sump isn't pressurised massively Oil will drain very quickly. You can hit a hump in the road and the oil can drain in short time but the oil pressure won't show untill it drops below a set level and you won't know anything until them.

IF the OP is giving all the facts then FBD should pay up.

Kenny Logins

Figerty wrote: »

I tend to disagree with this. Oil can leak in seconds. While the sump isn't pressurised massively Oil will drain very quickly. You can hit a hump in the road and the oil can drain in short time but the oil pressure won't show untill it drops below a set level and you won't know anything until them.

IF the OP is giving all the facts then FBD should pay up.

The great big thump should indicate you need to pull in, before the oil light comes on.

Figerty

Not always true, I was with my mechanic at one stage waiting for him to finish the another car. He showed me the sump that had the worn by multiple grazings rather than the big bang... I looked at my own and there wansn't much left on it either!

A lot of BMWs had aluminium sumps and these very very prone to wearing.... there was also a BMW that had the oil filter near the front wheel pointing down and they were know to being whipped off on irish roads.

wendell borton

I still find fbd to have the best service exept now when you phone your local office they put the call through a bloody automated central calll centre.