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Car damaged in floods

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Comments

  • #32
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    IrishSpeedTraps wrote: »
    Can't anyone ask a question in this forum without getting the usual moral high-horse "i told you so" responses? :rolleyes:
    If you think they're wrong then address their points - all this accusing people of being on their high horses without any supporting argument is getting very old.


  • #33
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    maidhc wrote: »
    Whether or not the OP is technically insured or not is one matter, BUT, they are not making a false claim in the sense of feigning an injury. The fact is the OP suffered damage and the insurance co is trying to avoid cover. There are different things.
    Your post made interesting reading, and I for one would not be a huge fan of insurance companies. That said, it appears to me that the insurance company is trying to avoid cover because Class II cover was neither sought nor paid for by the OP? I assume that the OP has thoroughly read through their policy document to see whether they are in fact covered under the terms of the policy.


  • #34
    100gSoma
    Registered Users, Registered Users 2 Posts: 1,285 ✭✭✭100gSoma


    If your insurer can prove that you drove through a puddle they won't cover it as that was avoidable and your own fault. If you can prove that your underground car park etc flooded overnight and it was not avoidable / your fault, I think you may have a chance.
    Policies are due to increase 20% in 2010 before this flooding, who knows what will happen now with so many people "chancing" driving through 'puddles' and waterlocking(permanent engine damage) their car and then expected a new engine from their policy.


  • #35
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    100gSoma wrote: »
    If your insurer can prove that you drove through a puddle they won't cover it as that was avoidable and your own fault. If you can prove that your underground car park etc flooded overnight and it was not avoidable / your fault, I think you may have a chance.
    This is in direct contradiction of a quote attributed to Michael Horan of the Irish Insurance Federation in this article, posted earlier in the thread: http://www.irishtimes.com/newspaper/motors/2009/1125/1224259388500.html


  • #36
    100gSoma
    Registered Users, Registered Users 2 Posts: 1,285 ✭✭✭100gSoma


    Anan1 wrote: »
    This is in direct contradiction of a quote attributed to Michael Horan of the Irish Insurance Federation in this article, posted earlier in the thread: http://www.irishtimes.com/newspaper/motors/2009/1125/1224259388500.html

    Well, I guess I was done by my insurer earlier in the year :( They would not pay out on my policy as I drove through a puddle intentionally and risked the damage of my own volition.
    I wish I had that article in February. :(


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  • #37
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    100gSoma wrote: »
    Well, I guess I was done by my insurer earlier in the year :( They would not pay out on my policy as I drove through a puddle intentionally and risked the damage of my own volition.
    I wish I had that article in February. :(
    I'd give the IIF a call if I were you.


  • #38
    Seth Brundle
    Moderators, Politics Moderators Posts: 40,037 Mod ✭✭✭✭Seth Brundle


    100gSoma wrote: »
    Policies are due to increase 20% in 2010 before this flooding, who knows what will happen now with so many people "chancing" driving through 'puddles' and waterlocking(permanent engine damage) their car and then expected a new engine from their policy.
    That will be the least of your worries IMO - with Gormley pushing for his carbon taxes and Lenihan pushing to empty peoples wallets, we will have no money left to run our cars! :o


  • #39
    jimoc
    Registered Users, Registered Users 2 Posts: 634 ✭✭✭jimoc


    Has a mechanic actually looked at the car yet so see how much damage is done?

    I few years ago, I drove into what I thought was a roadside puddle but turned out to be a 1 foot deep pool of water, I got about 100 feet down the road and then the car completely died and wouldn't even tick over.

    I was leaving for a holiday that night so I just got the AA to tow me back home and left the car. After I told the AA guy what had happened, he told me I had sucked water into the engine and probably would need a new engine.

    Came home a week later, turned the key and it worked!.

    So maybe it just needs a good going over with a hair dryer :)


  • #40
    I_luv_2_ski!
    Closed Accounts Posts: 185 ✭✭I_luv_2_ski!


    jimoc wrote: »
    So maybe it just needs a good going over with a hair dryer :)

    it works for phones why not for cars??? lol...or you could try puttin it in the hot press!!! between the tank and the insulation is best!!!

    lucky yoy jimoc...got away nicely!!!


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