Claiming for a write-off with no accident?

LouthMouth

Hi,

The transfer box on our jeep is beyond repair after some damage from a severe pothole (that we thought our exorbitant tax may have paid to fill in).

The transfer box is unrepairable. I rang every breaker's yard in Ireland and cannot find a replacement part for this particular model. I did find one in the UK which is £1k sterling plus delivery. Labour would cost up to £500.

Similar jeeps are for sale on DoneDeal starting at £2k up to £6k on Carzone.

Therefore, we don't think it makes economic sense to get it fixed. A breakers yard suggested we might get 800 euro max if we sold the car as is for scrap.

Is there anything in comprehensive policies that cover such a scenario or does the vehicle need to be involved in a crash to deem it eligible to be written off?

ba_barabus

What exact 'Jeep' are we talking about here and exactly how is the transfer box failed? It doesn't sound right that a pothole would do that.

Marcusm

That's obsolescence and not covered by insurance as it's a predictable event.

pred racer

LouthMouth wrote: »

Hi,

The transfer box on our jeep is beyond repair after some damage from a severe pothole (that we thought our exorbitant tax may have paid to fill in).

The transfer box is unrepairable. I rang every breaker's yard in Ireland and cannot find a replacement part for this particular model. I did find one in the UK which is £1k sterling plus delivery. Labour would cost up to £500.

Similar jeeps are for sale on DoneDeal starting at £2k up to £6k on Carzone.

Therefore, we don't think it makes economic sense to get it fixed. A breakers yard suggested we might get 800 euro max if we sold the car as is for scrap.

Is there anything in comprehensive policies that cover such a scenario or does the vehicle need to be involved in a crash to deem it eligible to be written off?

Unless you roll it down a hill into a tree, then it's very very unlikely.
I've never heard of a policy that would pay out for mechanical failure.

LouthMouth

Ssangyong Rexton automatic, 06.

We went into sever pothole a few weeks ago. Almost immediately, we heard a strange noise we thought was emanating from front passenger wheel. The car started leaking oil the next day so we got a mechanic to look at it, who said it was not safe to drive and that pothole must have done it. Even if it didn't, something did. Either way, it doesn't make economic sense to get it fixed.

djimi

Generally speaking insurance policies do not cover mechanical failures.

LouthMouth

So we'd have been better crashing it into our other car?

Marcusm

LouthMouth wrote: »

So we'd have been better crashing it into our other car?

Only if you did so accidentally and were willing to absorb the inevitable increase in premium. If you can verify that it was caused as a result of the particular event you might be covered but I bet that will be impossible.

coylemj

LouthMouth wrote: »

Is there anything in comprehensive policies that cover such a scenario or does the vehicle need to be involved in a crash to deem it eligible to be written off?

I disagree with the other posters, I would see this as accidental damage, not a simple breakdown caused by mechanical failure. But.... It's going to depend on who you're insured with.

Aviva for example say that:

We will not pay for:

loss in value, wear and tear, mechanical, electrical or electronic breakdown;


So you would have to satisfy them that it was damaged as a result of an 'event' - specifically that it suffered damage by impact and was not a simple breakdown.

dharn

Sue the council

porsche boy

Unfortunately insurance wont cover that. I wouldnt give it to a breakers either. Best thing to do is adverse it on Done Deal, Adverts etc clearly stating the damages transfer box. Actually DD has a damaged repairable section for stuff like that. price it around the same price as the cheapest ones and you will get a bite from someone who will want to beat you down a bit in price. If you got 1200-1500 as is you'll be doing ok.

porsche boy

coylemj wrote: »

I disagree with the other posters, I would see this as accidental damage, not a simple breakdown caused by mechanical failure. But.... It's going to depend on who you're insured with.

Aviva for example say that:

We will not pay for:

loss in value, wear and tear, mechanical, electrical or electronic breakdown;


So you would have to satisfy them that it was damaged as a result of an 'event' - specifically that it suffered damage by impact and was not a simple breakdown.

All well and good but, prove it. Mechanical damage is almost impossible to prove when, where and how it happened.

visual

LouthMouth wrote: »

Ssangyong Rexton automatic, 06.

We went into sever pothole a few weeks ago. Almost immediately, we heard a strange noise we thought was emanating from front passenger wheel. The car started leaking oil the next day so we got a mechanic to look at it, who said it was not safe to drive and that pothole must have done it. Even if it didn't, something did. Either way, it doesn't make economic sense to get it fixed.

Knew it wasn't a Jeep as they eat potholes for breakfast.

LouthMouth

visual wrote: »

Knew it wasn't a Jeep as they eat potholes for breakfast.

Ha, was using generic term as I do with my "hoover", which is a Dyson.

Tail Docker

LouthMouth wrote: »

Ha, was using generic term as I do with my "hoover", which is a Dyson.

The generic term for Rextons rhymes with kite.

corktina

as said, your recourse is to sue the Council. Gather all the evidence you can.

LouthMouth

Tail Docker wrote: »

The generic term for Rextons rhymes with kite.

I realise that now.

dharn

Tail Docker wrote: »

The generic term for Rextons rhymes with kite.

What do ya mean ? They are virtually a rebadged merc :rolleyes:

Tail Docker

dharn wrote: »

What do ya mean ? They are virtually a rebadged merc :rolleyes:

Them were the Musso's. The Rextons, they are a rebadged Beko.

ba_barabus

dharn wrote: »

What do ya mean ? They are virtually a rebadged merc :rolleyes:

Are they **** and neither was the Musso. The engine was a licenced design, the similarity ends there.

Tail Docker

ba_barabus wrote: »

Are they **** and neither was the Musso. The engine was a licenced design, the similarity ends there.

Wash.Your.Mouth.Out.

ba_barabus

Tail Docker wrote: »

Wash.Your.Mouth.Out.

NEVER

The Musso shared the engine too but that's it as far as I know apart from marketing guff which suggested otherwise. I do love the Musso though, a surprisingly good car when launched but the Eircom/T.E. Fleet priced hard to keep on the road.

Tail Docker

ba_barabus wrote: »

NEVER

The Musso shared the engine too but that's it as far as I know apart from marketing guff which suggested otherwise. I do love the Musso though, a surprisingly good car when launched but the Eircom/T.E. Fleet priced hard to keep on the road.

I have one, amongst a load of other yokes. Unburstable. And pretty damn quick for a lumbering 4*4.

ba_barabus

Tail Docker wrote: »

I have one, amongst a load of other yokes. Unburstable. And pretty damn quick for a lumbering 4*4.

As said a great car but they were difficult to get to pass emissions tests. A better car than everything that came after

Tail Docker

ba_barabus wrote: »

As said a great car but they were difficult to get to pass emissions tests. A better car than everything that came after

Mine has passed the last four tests, three "DOE" and one a "CVRT" without so much as a spanner laid on it. It gets oil and filter changes, full stop. My own Hiace aside, it is the most drivven/ignored vehicle in the yard. It needed a headlight relay so far as regards spare parts, and tyres.

ba_barabus

Tail Docker wrote: »

Mine has passed the last four tests, three "DOE" and one a "CVRT" without so much as a spanner laid on it. It gets oil and filter changes, full stop. My own Hiace aside, it is the most drivven/ignored vehicle in the yard. It needed a headlight relay so far as regards spare parts, and tyres.

Well done, as said it was only emission that gave trouble on the Telecom Éireann/ Eircom fleet. Other than that they mostly expired due to being driven into the ground as tow vehicles and generally unloved. Hard to find a Musso now so maybe worth looking after yours

I remember looking all over them in Limerick show in 96 and the Ploughing Championship the same year.

darragh o meara

Some insurers will cover it, friend of mine cracked the sump on a 2yr old Bmw X5 and the engine seized on him and got it covered. They offered him one that they had sourced themselves which he took and it turned out to be better spec than his old one.

Best bet is to call your insurance company. Might be an idea to get an assessor to deal with it though, they'll be able to word it right, insurance companies are trying to get out of paying out these days. .Suing the council can be done too, but be prepared for a long wait. I'm fighting them for damage caused to my own car lt November and I'm still waiting.

visual

Doubt the transfer was damaged by pot holes as its ment to be off road capable and there should be plently of articulation on suspension axle and drive shafts to pop in and out of largest potholes even at speed.

As it is unlikely to be covered by insurance it might be worth parking it up until you find transfer at resonable cost.

georgefalls

LouthMouth wrote: »

Ha, was using generic term as I do with my "hoover", which is a Dyson.

Ha, they are both 'vacuum cleaners' Hoover is also a trade name

testicle

georgefalls wrote: »

Ha, they are both 'vacuum cleaners' Hoover is also a trade name

Whoosh!

Old diesel

ba_barabus wrote: »

Well done, as said it was only emission that gave trouble on the Telecom Éireann/ Eircom fleet. Other than that they mostly expired due to being driven into the ground as tow vehicles and generally unloved. Hard to find a Musso now so maybe worth looking after yours

I remember looking all over them in Limerick show in 96 and the Ploughing Championship the same year.

I remember the Mussos at the Limerick show that year too :eek:

How time flies.

Later ones were Daewoo badged for a while I think

11wingnut

It has happened me in a ducato 3.0 went down a pothole in a flood (Kerry) the road had washed away ,had to get towed out of the hole left a chunk of gearbox on the road and my ep80 but as the water was flowing so fast i did not notice until wheels locked at 80k Then Setanta went belly up. 1500stg for gearbox .So no choice but fix mine .Now done but now have to back tax as tax was out for a week when it happened and now 7 months later still off the road

testicle

11wingnut wrote: »

Now done but now have to back tax as tax was out for a week when it happened and now 7 months later still off the road

You could sell it to someone and buy it back again. *wink* *wink*

V.W.L 11

Torch it :pac: