GolfGTIforum.co.uk
Model specific boards => Golf mk5 => Topic started by: stealthwolf on 08 September 2008, 18:00
-
Car parked at multistorey carpark at work. Only decent place was a slot next to a poorly parked small car, so parked my car slightly to the left within the bay, to the point where the wheels where on the line itself. Left ample room for me to get out. Pressed the mirrors in.
Came back and a red estate was parked to the left of me. Scratches on the door mirror casing and on the door itself. Fingernail test positive. No camera, no pen, no paper. Memorised the plate-no but don't think it'll do any good. Was tempted to damage the estate but was in a hurry to meet a friend so couldn't hang around for driver.
Arrived home. Mirror casing has green scratches which I could wipe off. Why was it green? Door scratches are tiny - around 10mm max long, horizontal. Could probably be sorted with a touch up paint and buff.
Soooo gutted. Yet if I tried to park over two bays, I'd get fined or lose my parking permit! Sometimes I feel like I should have kept my old fiesta :cry: :cry: :cry: :cry:
-
I know exactly how you feel mate someone scraped mine this weekend too! Bar steward tried to do one too.... but I spotted him on cctv. Worth checking it out or alternatively contacting your insurance company with his details.
As I posted on another thread.. total cost £1436 :cry:
-
As I posted on another thread.. total cost £1436 :cry:
£1436!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! What had he done? Thats such a lot of money to have to shell out!
-
If you remember the reg no couldn't you report it to the Police and claim off his insurance?
Sorry to hear about the damage, I know from experiance how heart wrenching it can be :sad:
-
As I posted on another thread.. total cost £1436 :cry:
£1436!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! What had he done? Thats such a lot of money to have to shell out!
He has scraped from the sil next to the rear wheel across the rear door, and about 10inches across the drives door too. Slightly rippled the doors too. the parts that need replacing are:
SOUND PAD X2
R.R DOORSKIN
R.R DOOR MOULDING
R.R DOOR 1.PACK ADH
R.F DOORSKIN
R.F DOOR MOULDING
R.F DOOR 1.PACK ADH
These all need painting too. So I am guessing thats where the £1400 comes from. Even I thought it was a little steep.. but hey Im not bothered as I am not paying.
-
....Such a bummer when things like that happen! And always because some arsehole hasn't got their wits about them.
But, you'll get your car back to normal and put it all behind you :afro:
I had an incident today too - I'll post in separate thread.
-
Looks like its attack the MK5 month, had a massive stone hit me on Saturday on my way to work. AutoGlass guy came over today to inject resin into it but you can still see the impact point of the stone so its going to need a new windscreen. Is there anything I need to say when I speak to them on the phone as far as auto wipers and rain sensors?
:(
-
Looks like its attack the MK5 month, had a massive stone hit me on Saturday on my way to work. AutoGlass guy came over today to inject resin into it but you can still see the impact point of the stone so its going to need a new windscreen. Is there anything I need to say when I speak to them on the phone as far as auto wipers and rain sensors?
:(
....Are you blue or green tinted glass? - It needs to match!
-
He has scraped from the sil next to the rear wheel across the rear door, and about 10inches across the drives door too. Slightly rippled the doors too. the parts that need replacing are:
SOUND PAD X2
R.R DOORSKIN
R.R DOOR MOULDING
R.R DOOR 1.PACK ADH
R.F DOORSKIN
R.F DOOR MOULDING
R.F DOOR 1.PACK ADH
These all need painting too. So I am guessing thats where the £1400 comes from. Even I thought it was a little steep.. but hey Im not bothered as I am not paying.
Believe me - that's cheap! I paid something like £500 for R.F. and R.R. door mouldings + respray + labour. Almost top class work too. Only prob is there's a gap between the door metal and the rubber bit right under the mirror. Sure it's a screw missing or something but am too far away to get it fixed. Never noticed it either. Had a mate look at it and try and spot the respray - couldn't but he noticed the gap!
-
Car parked at multistorey carpark at work. Only decent place was a slot next to a poorly parked small car, so parked my car slightly to the left within the bay, to the point where the wheels where on the line itself. Left ample room for me to get out. Pressed the mirrors in.
Came back and a red estate was parked to the left of me. Scratches on the door mirror casing and on the door itself. Fingernail test positive. No camera, no pen, no paper. Memorised the plate-no but don't think it'll do any good. Was tempted to damage the estate but was in a hurry to meet a friend so couldn't hang around for driver.
Arrived home. Mirror casing has green scratches which I could wipe off. Why was it green? Door scratches are tiny - around 10mm max long, horizontal. Could probably be sorted with a touch up paint and buff.
Soooo gutted. Yet if I tried to park over two bays, I'd get fined or lose my parking permit! Sometimes I feel like I should have kept my old fiesta :cry: :cry: :cry: :cry:
I had my 1-day new car scratched by old lady in an old red car. She just bumped her door into mine. This sh!t happens when other people do not give a sh!t about other people's property.
-
If you remember the reg no couldn't you report it to the Police and claim off his insurance?
Sorry to hear about the damage, I know from experiance how heart wrenching it can be :sad:
Unfortunately the police will say they can not do anything without an actual witness/cctv.. been there done that...
No good hearing about all these incidents... these cars too much for yas? :tongue:
Seriously though...never right when your pride and joy is damaged..
Dinx :kiss:
-
Its happened to me a few months ago, the shyt done a runner to, 2 new door skins and associated gubbins plus £300 excess gone. Anybody goes near it now they better be armed.
-
Its happened to me a few months ago, the shyt done a runner to, 2 new door skins and associated gubbins plus £300 excess gone. Anybody goes near it now they better be armed.
totally
I am very friendly guy, but if someone touches my car and I catch that "person", I don't give a sh!t if that is a kid or a girl, pain is emminent
-
I've got 2 dents on the same door from car parks and a deep scratch on the rear quarter, probably over £1000 to repair, but its 2 years old now so I'm well passed caring, as if I spent that money I'd never get it back.
lifes too short!!
-
Sorry to hear mate - take it to the bodyshop and get an estimate. At least you will get the car good as new.
I normally park well away from other cars but if I have to I now take pics of adjoining vehicles with my mobile. Starter for ten anyways :wink:
Well worth checking the CCTV if it exists/they let you - tell them you'll be writing to the local paper as you've heard this is a regular occurrance in this car park :rolleyes:
Cass
-
Sorry to hear about that :cry:
Green paint? Sounds like someone went in, hit your motor and then backed out straight away, leaving the next guy to park next to you.
I live in fear of supermarket carparks full of old, shortsighted biddies who should have had their licences revoked 20 years ago!! :angry:
-
Im guessing its not as easy as parkin in a handicap spot in the UK as it is here in Gib and Spain... :smiley:
-
Im guessing its not as easy as parkin in a handicap spot in the UK as it is here in Gib and Spain... :smiley:
....One of my pet hates: Handicap blue badge cars which park absolutely anywhere and get away with it regardless of the dangers their parking is creating. I have been known to tell some of them to their faces that they must be disabled in the head to park in such a place. I'm not talking about drivers with obvious mobility problems.
-
hey dude
I know ur feeling only too well has happened me in my old mkv 06 sportline silver, u wont catch the people, only wasting ur time!!! parked my car in a quite village one nite going to work in a pub as i only work at the summer time came out after a busy nite and my rear bumper was hanging off no cctv or anything !! cos me 600 euro to get it the same way again!!!
i got a new mk5 GT TDI two months ago and always park it in taking up two spaces, i know its the wrong thing to do !!
but one day a fella in asda said to me and there was loads of spaces available !! Do u realise u take up two spaces he said and i said is it any business of yours and just got in to my car and drove off!!
any kind of scratch kills me !!!
you will be alrite just make sure it doesnt happen again!!!
-
I know your pain. I came out of my apartment last year to find a note on my C2 VTS (I'd owned since new), giving apologies for reversing into the front of my car. HOW could you accidentally reverse into someone's car? Did the woman go blind for a split second? It's the big red thing parked between two white lines!! She ruined the front bumper, and buckled the wing on the side.
I rung my insurance company, gave them her registration number, and told them she was at fault. It was all fixed up in no time at all, and I never heard anything again, so I can only assume the insurance company believed me. Didn't effect my insurance, and I never had to contact the police :)
-
i got a new mk5 GT TDI two months ago and always park it in taking up two spaces, i know its the wrong thing to do !!
but one day a fella in asda said to me and there was loads of spaces available !! Do u realise u take up two spaces he said and i said is it any business of yours and just got in to my car and drove off!!
any kind of scratch kills me !!!
you will be alrite just make sure it doesnt happen again!!!
To be honest though im sure there is a pretty good chance of someone taking exception to u parking across 2 spaces (especially if it prevents them from parking where they want to) and keying you or something pointless like that. I say this because there was a guy parked next to me in a multistory in leeds in a V8 Vantage who had parked across 2 spaces. I'm sure he had done it in the morning when it wasnt that busy as he was on the very bottom level (its underground so thats the furthest away from the exit), but during the day the queues for that car park become obscene and sure enough when i came back to collect my gti there was a rather fresh looking key mark down the side of it which definately wasnt there wen i got out because i gave it a good looking over! sometimes there is no winning!
-
The thing that really does it for me is people thinking it's ok to damage someone else's car (by accident or on purpose) and then walking off without a care in the world! :angry:
-
The thing that really does it for me is people thinking it's ok to damage someone else's car (by accident or on purpose) and then walking off without a care in the world! :angry:
Thats it exactly! Some people simply don't think its a bad thing and don't bat an eye lid! I'v been sat in my old car before and some bag of a mum opened her door n touched my mirror, no damage but have a word luv n be more careful!
If some fool does that in the GTi (when i eventually get it) i will be very tempted to introduce them to Johnny Knuckle n see how they feel then! Any excuse to have a go at some half-wit who hasn't got a clue what the time of day is!
-
The person who did mine would not admit it.. even when I told him I had seen it on CCTV. I had to get another friend to pretend to see it. It was only then he admitted it. SOmetimes you just have to beat them at their own bullsh1tting game :smug:
This is the second time someone has hit my car and tried to do one. The next time I catch someone doing it I have a good mind to buy a piece of crap and drive it into their car and then drive off and see how they like it. would even be tempted to drive back in the golf and ask them how they feel when some a$$hole does that!
-
Looks like its attack the MK5 month, had a massive stone hit me on Saturday on my way to work. AutoGlass guy came over today to inject resin into it but you can still see the impact point of the stone so its going to need a new windscreen. Is there anything I need to say when I speak to them on the phone as far as auto wipers and rain sensors?
:(
....Are you blue or green tinted glass? - It needs to match!
No idea, I will have a look before I phone them up at lunch time. Chap that came over said that they are not going to be able to give me a "VW" badged windscreen, he says "It will look the same, it just wont have the VW stamp in the corver because they want £100 just for that badge stamp". Whats the deal with this then? You really dont want to know how much I pay a year for insruance only to then have to fork out £70 when I want a new windscreen only to then be told that I cant have a VW one. Any one know what the law is on this? Can I take it to any place I want to get a new windscreen (local dealer bascially) or can the insurance company give me and new windscreen they want?
Sorry to hijack.
-
I know your pain. I came out of my apartment last year to find a note on my C2 VTS (I'd owned since new), giving apologies for reversing into the front of my car. HOW could you accidentally reverse into someone's car? Did the woman go blind for a split second? It's the big red thing parked between two white lines!! She ruined the front bumper, and buckled the wing on the side.
I rung my insurance company, gave them her registration number, and told them she was at fault. It was all fixed up in no time at all, and I never heard anything again, so I can only assume the insurance company believed me. Didn't effect my insurance, and I never had to contact the police :)
she was honest, at least
-
The thing that really does it for me is people thinking it's ok to damage someone else's car (by accident or on purpose) and then walking off without a care in the world! :angry:
Thats it exactly! Some people simply don't think its a bad thing and don't bat an eye lid! I'v been sat in my old car before and some bag of a mum opened her door n touched my mirror, no damage but have a word luv n be more careful!
If some fool does that in the GTi (when i eventually get it) i will be very tempted to introduce them to Johnny Knuckle n see how they feel then! Any excuse to have a go at some half-wit who hasn't got a clue what the time of day is!
almost same experience. Old hag opened passenger door of her old crappy Toyota and smashed into my driver's door, leaving a dent and a black spot (from the plastic on her door). My car was one-day old, and I was enjoying a sunny day in San Moritz. :angry: Could not prove anything, as I came and saw the damage just a few minutes too late (she was already walking away with her girlfriend). From that point on I became very particular about where and how I park.
-
Looks like its attack the MK5 month, had a massive stone hit me on Saturday on my way to work. AutoGlass guy came over today to inject resin into it but you can still see the impact point of the stone so its going to need a new windscreen. Is there anything I need to say when I speak to them on the phone as far as auto wipers and rain sensors?
:(
....Are you blue or green tinted glass? - It needs to match!
No idea, I will have a look before I phone them up at lunch time. Chap that came over said that they are not going to be able to give me a "VW" badged windscreen, he says "It will look the same, it just wont have the VW stamp in the corver because they want £100 just for that badge stamp". Whats the deal with this then? You really dont want to know how much I pay a year for insruance only to then have to fork out £70 when I want a new windscreen only to then be told that I cant have a VW one. Any one know what the law is on this? Can I take it to any place I want to get a new windscreen (local dealer bascially) or can the insurance company give me and new windscreen they want?
Sorry to hijack.
....I don't know the answer to this but if you don't get a response here, start a new specific thread - It's important you get the right advice on this.
Blue tints were on earlier GTI's, I don't know exactly when it was changed to green but after 06 builds.
-
Well, I spoke to a chap from Autoglass. They are coming over on Saturday to fit it. Gave him my reg and he told me it was an 05 GTI with rain sensors and green tints, so looks like im getting green tint. I honestly cant see if its blue or green on mine so I take it that the glass "specialist" would know what there talking about . .
Started a thrad over in GC in an attempt to get a quick responce - http://www.golfgtiforum.co.uk/index.php?topic=90913.0
-
Looks like its attack the MK5 month, had a massive stone hit me on Saturday on my way to work. AutoGlass guy came over today to inject resin into it but you can still see the impact point of the stone so its going to need a new windscreen. Is there anything I need to say when I speak to them on the phone as far as auto wipers and rain sensors?
:(
Yup. Do NOT let AutoGlass, or any of the windscreen companies fit any of their "own brand" windscreens. AutoGlass make theirs in South Africa, and they are no where near as good quality as OEM spec (poor optical clarity, poor tinting).
Furthermore, non OEM screens are well known for messing with the sensativity of the rain and light sensors. Just demand they fit a genuine VW OEM screen - your insurance company must comply (they are supposed to only fit genuine parts, but how the fcuk they all get away with cheap screens is beyond me).
I had to report Norwich Union to Trading Standards, citing "monopoly" conditions, when they insisted that I "will ONLY use NUs own windscreen fitters, and will not get a genuine screen" - a quick fone call soon had NU eating humble pie, and me with a genuine screen from an independent fitter! :smug:
-
Cheers, I shall get on the case when I get home then. Only problem I have is Im not going to be in when they fit it as Im at football this Saturday so its just going to bethe old dear at home. I will give them a call to confrim its going to be an OEM VW windscreen. Just to confirm this TT I am completly in my right to "demand" an orginal VW windscreen?
-
Cheers, I shall get on the case when I get home then. Only problem I have is Im not going to be in when they fit it as Im at football this Saturday so its just going to bethe old dear at home.
Personally, I'd change it to a time when you can be there to watch the actual install. And I certainly wouldn't use AutoGlass either. Pick up the yellow pages, and look for an independent screen fitter. Explain to them you only want a genuine VW screen, and if they can't supply, then try elsewhere.
I will give them a call to confrim its going to be an OEM VW windscreen. Just to confirm this TT I am completly in my right to "demand" an orginal VW windscreen?
Absolutely right. Its your car, and you have the final say on (a) what bits are fitted [non-gen or OEM], and (b) who actually carries out the work - even for insurance claims. You do NOT have to use the screen company which your insurance company may try to demand. If they do try it on, explain to them they will not only be breaching specific UK competition laws, but will also be breaching the very specific UK insurance industry standards, which clearly state that ONLY genuine parts must be fitted - and there are no exceptions.
Incidentally, my local Audi stealership routinely reject any warranty claim to do with auto headlamps and wipers where non OEM screens have been fitted. Furthermore, they also have a contract with a local "independent" screen fitter, and use gen OEM screens, and it goes through customers insurances without any hassles, and with the standard £50/60/70 glass excess.
Don't let your ins co fob you off with this.
-
Thank you very much for the comments mate, shall call them when I get in.
-
Thank you very much for the comments mate, shall call them when I get in.
Your welcome. Keep us updated on this - i'd be very interested in hearing the "progress". :wink: And if they give you any hassles, name and shame the ins co! :wink:
-
Didn't want to wait till i got home. Spoke to Autoglass and they said they are not going to be fitting an OE glass. So i said well I want OE glass. She has put a request in to Elephant but expects that I will have to pay for the full cost as Elephant probably wont authorise the fitting of OE glass. I am on the phone to Elephant now as I type this. Why can I see this being a pain in the arse !!! :(
-
Alan, just "advise" Elephant of the ABI (www.ABI.org.uk), and that you also happen to be a member of "Consumers Association" who do the Which mag.
I suppose a better site to get some additional info would be Martin Lewis's MoneySavingExpert.com forum.
-
Benn on hold for 20 minutes now . . . :rolleyes:
-
Benn on hold for 20 minutes now . . . :rolleyes:
Only another 80 minutes before you get an answer then! :evil: :evil: :evil: :evil: Vivaldis four seasons? :grin:
Funny how they never want to keep you on hold when they want to take money off you (for new business or renewals). :rolleyes:
-
This is doing my head in, still holding, mobly is going to run ouy of juice soon. FFS !
I've to give up. Going to have to try them in the morning or something. Great . . .
-
Man -
WHY DO PEOPLE THINK THEY CAN JUST DAMAGE YOUR PROPERTY??
Pity you didn't take any photos on your mobile etc, might have proved useful.
In all honesty, it might be worth running a claim through your insurers, giving them the other car's registration number. A couple of letters from your insurers might do the trick.
On a lighter note, reminds me of when I worked in a motor claims department. A friend of mine had the following conversation with one of our customers:
Joe: Hello, Joe speaking, can I help you?
Customer: Hi, I've received a letter from you saying I my car was involved in an accident on Saturday, but I wasn't anywhere near Tesco's car park on that day!
Joe: Who said anything about Tesco's car park?
Customer: Oh sh!t
:grin: :laugh:
-
Again, sorry to have hijacked.
TT, Just got off the phone to Elephant. The lady said that the £70 is only applicable to Autoglass who are their contractors. Should I want to take it away to a third party to fit an OE VW windscreen I would have to foot the bill and Elephant will send me a cheque for £50 (which leave me well out of pocket). Going to try and give trading standards a bell but work is mental today. Anyone got any words of wisdome?
-
Do you have the energy for this? if so, can you send me a 1 gram sample of whatever chemical substance you have at your disposal? :smiley: :wink:
Some people would and no doubt already have let this go. I think that I personally would probably go with what they are offering and get on with my life, my rain sensors and auto lights are crap anyway and I still have the OEM one.
How much is an OEM windscreen? will their contribution of £50 make much difference to the price, I am thinking you are likely to have to dip into your pocket for anything from £100-£200 on top? If autoglass can source a VW OEM one for you? if so how much are they quoting you?
In reality by installing anything other than OEM you may potentially invalidate your cars warranty, if you can get this in writing or quote chapter and verse from your warranty you may strengthen your case.
Surely Elephant by inisisting on using non standard replacement parts are in fact invalidating their own insurance policies? My thinking is that by insisting on using non standard/ non vw approved parts then this by this increases the risk of something going wrong with your car....
Good luck, sorry reviewing my reply its of no help at all really is it. More discursive than anything else.
-
Alan, just a question, obviously you are covered for your windscreen, but what does it actually say in the policy wording?
Dinx :kiss:
-
I thought of that today, I don't think im going to win this one. It says that they will replace my windscreen with one of the same specification of the one I have. I really cant be bothered any more, If it goes in and looks exactly the same without the VW badge in the corner then fook it, it will do the job.
-
Alan why not get TT to do it on your behalf.
I think you would have a bran spanking new car on your drive with in 3 days.
He convinced me to get mine replaced and i havn't even got a chip in it. :evil: :drool:
-
:laugh:
yeah...tt does seem a rather...erm..whats the word... :undecided:
anyway you know what I mean..
either that or Martin at Hic may be able to help in someway with his experience..
same specification? well then...that's good...then list your specification of the glass you have fitted to the car.. and if Autoglass don't meet that specification.. badda bing badda boom.. :cool:
Dinx :kiss:
-
"If you make a claim for loss or damage to your car, we will only pay the cost of replacing parts needed for the car to meet the manufactures standard specification"
That whats my policy says. Going to call them again in the morning as there is no point doing it now as I will be on hold for hours. Just to see what they have to say about it, but honestly cant be arsed to spend hours fighting it. Has anyone ever had a good experience with an insurance company? Its f**king day light robbery what us young drivers have to pay and then they try every fooking thing in the book not to pay, what a bunch of cvnts.
-
and is the windscreen you currently have, what comes as standard when you buy your car? :wink:
basically they will say that you just need a windscreen, but then you can go back and say, yes but that is not the standard windscreen for my model of car..
if thats right of course..
yup...all robbing bar stewards...
Dinx :kiss:
-
Believe me I know all about getting shafted by insurance companies!!! :angry:
But its either pay the n0bs or get 8 points like me! (and still pay the n0bs anyway :angry:)
-
Its f**king day light robbery what us young drivers have to pay and then they try every fooking thing in the book not to pay, what a bunch of cvnts.
Its not just young drivers that get ripped of by the insurance companies. Everyone gets ripped off! :angry:
-
Again, sorry to have hijacked.
TT, Just got off the phone to Elephant. The lady said that the £70 is only applicable to Autoglass who are their contractors. Should I want to take it away to a third party to fit an OE VW windscreen I would have to foot the bill and Elephant will send me a cheque for £50 (which leave me well out of pocket). Going to try and give trading standards a bell but work is mental today. Anyone got any words of wisdome?
They can NOT do that. That is creating a blatant monopoly, it is anti-competative - and it breaches clear and well-established UK laws. Furthermore, it is a clear breach of the UKs on "insurance industry" specifications, as laid down by the "Association of British Insurers" (ABI) - which clearly states that on car repairs, ONLY genuine OEM parts must be used. Trading Standards need to know, and a formal letter of complaint to Elephant, copied to the ABI, needs to be sent. You might also like to get some further info from the Insurance Ombudsman, who can legally force insurance companies to comply with the law.
Are Elephant members of ABI? Who actually "owns" Elephant? What address does their paperwork come from?
Like I said, Norwich Union tried this very same tactic on me, and I beat the scum-bag ba$tards - and this was on an Astra which didn't even have any light or rain sensors.
At the end of the day, the windscreen and rear screen are part of the vehicle "structure", and any "weaker" screen could seriously reduce the strength of the overall car in a crash. Ask Elephant if they have submitted a car with an AutoGlass screen to EuroNCAP for crash testing? If not, then only an OEM screen will do.
Fcuking insurance companies really anger me! :angry: :angry: :angry: :angry: :angry: :angry:
<going for a lie down to chill>
-
Alan, just a question, obviously you are covered for your windscreen, but what does it actually say in the policy wording?
Dinx :kiss:
Good point. But most policies don't actually state such finite detail - because, they know that if they did try to state that "the policyholder must only use AutoGlass, and will not be entitled to an OEM windscreen" - they would find themselves in court, being prosecuted under the "Unfair Contracts Terms Act". The Office of Fair Trading (OFT) did have very clear guidelines on their own website (www.OFT.gov.uk) some time ago - don't know weather they are still there, but if not, a HMSO search should find the relevant Act.
-
Furthermore, it is a clear breach of the UKs on "insurance industry" specifications, as laid down by the "Association of British Insurers" (ABI) - which clearly states that on car repairs, ONLY genuine OEM parts must be used. Trading Standards need to know, and a formal letter of complaint to Elephant, copied to the ABI, needs to be sent. You might also like to get some further info from the Insurance Ombudsman, who can legally force insurance companies to comply with the law.
....As only genuine oem parts must be used, how can some insurers cover 'like for like' (replace aftermarket parts with new aftermarket parts)?
-
I thought of that today, I don't think im going to win this one. It says that they will replace my windscreen with one of the same specification of the one I have. I really cant be bothered any more, If it goes in and looks exactly the same without the VW badge in the corner then fook it, it will do the job.
Which means OEM. :rolleyes:
Non-genuine screens are not crash-tested, therefore can NOT be proven to be the same spec as OEM. This "crash-test" bit is crucial for modern cars with bonded screens, beacuse, like I touched on in an earlier post, bonded glass (windscreen and rear screen) form part of the "structure" of the car - some "experts" state that the front screen can provide about 40% of the structural rigidity. Older screens which are located with a rubber gasket didn't fall into this category, and are not considered a "structural component". :nerd:
-
:laugh:
yeah...tt does seem a rather...erm..whats the word... :undecided:
anyway you know what I mean..
What? :undecided: PM me, if you like. :smiley:
-
Just a quickie and as a slight aside.
If I had an accident, and I have body coloured bumpers that are specifically mentioned on my policy do you think that the insurance company should cough up and replace like for like OR do you think they would only replace with standard parts, ie oem,..not body coloured?
OK perhaps I need to delve into the innards of my policy document, perhaps this is different dependent on the insurer. :rolleyes:
-
"If you make a claim for loss or damage to your car, we will only pay the cost of replacing parts needed for the car to meet the manufactures standard specification"
Then that is very clear, and Dinx supports that view too.
Go back to Elephant, and ask them to provide documentary evidence that VW Wolfsburg fit AutoGlass screens. That will fox the robbing ba$tards! :smug:
That whats my policy says. Going to call them again in the morning as there is no point doing it now as I will be on hold for hours. Just to see what they have to say about it, but honestly cant be arsed to spend hours fighting it. Has anyone ever had a good experience with an insurance company? Its f**king day light robbery what us young drivers have to pay and then they try every fooking thing in the book not to pay, what a bunch of cvnts.
worst
Norwich Union = James Blunts
Zurich = pigs really do fly (utterly incompetant pen!s massagers)
MoreThan = liars (don't tell you they will have a rummage in your credit file, leaving a "footprint" - no other ins cos do this)
best
eSure = excellent, though they don't insure "high group" cars (I think gp17 is the max, so Audi S & RS models are out, as are VW R32 & R36)
Liverpool Victoria = excellent - reasonably competative quotes (can haggle them down), and good claims handling
EDIT: why don't this forum like the word "p e n i s" ? :huh:
-
Believe me I know all about getting shafted by insurance companies!!! :angry:
But its either pay the n0bs or get 8 points like me! (and still pay the n0bs anyway :angry:)
What happened there? :shocked:
-
Its f**king day light robbery what us young drivers have to pay and then they try every fooking thing in the book not to pay, what a bunch of cvnts.
Its not just young drivers that get ripped of by the insurance companies. Everyone gets ripped off! :angry:
Agreed, but some are considerably worse than others. Older, experienced drivers do have the advantage of being able to shop around - and if you are like RedRobin, you can use Saga (sorry mate, just havin a laugh) :wink:
Now theres a point, do Saga cover modifications - nitrous, superchargers, air suspension, £10k audio upgrades? ! :evil:
-
Furthermore, it is a clear breach of the UKs on "insurance industry" specifications, as laid down by the "Association of British Insurers" (ABI) - which clearly states that on car repairs, ONLY genuine OEM parts must be used. Trading Standards need to know, and a formal letter of complaint to Elephant, copied to the ABI, needs to be sent. You might also like to get some further info from the Insurance Ombudsman, who can legally force insurance companies to comply with the law.
....As only genuine oem parts must be used, how can some insurers cover 'like for like' (replace aftermarket parts with new aftermarket parts)?
Ahh, that's were a difficulty can arise - and why some insurance companies have "problems" insuring modified cars.
If the bits in question are OEM upgrades, such as an S3 intercooler, then they could reasonably be expected to cover the cost of repairs (the policyholder could offer to cover the difference between a standard and the S3 i/c).
If they are non-OEM, such as C/F bonnets, or AP brakes, then I'd strongly doubt they would refit the same, unless you had specific policy wording. If these were damaged, then the standard OEM items would be fitted.
For custom manufactured bits - say a hand made exhaust, or smoothed bumpers - you'd most definately be on your tod.
All in my very humble opinion, of course! And IANAL. :wink: :smiley:
-
Just a quickie and as a slight aside.
If I had an accident, and I have body coloured bumpers that are specifically mentioned on my policy do you think that the insurance company should cough up and replace like for like OR do you think they would only replace with standard parts, ie oem,..not body coloured?
OK perhaps I need to delve into the innards of my policy document, perhaps this is different dependent on the insurer. :rolleyes:
If you have a standard GTI, and then colour coded the bumpers etc - then provided you have told them, and they have accepted your premiums, then under UK law, they have "accepted the said risk" - ie the painted bumpers. Obviously, the safest, most water-tight way would be for either you to put in writing to them, or they write to you confirming. However, even if you telephone them, and they state they record phone calls, then this is legally acceptable. You may have to chase them under the Data Protection Act though.
And if the accident aint your fault, any and all unisured losses can be recovered from a third party, even for mods on your car which you have not notified to your own ins co. :wink: :smug:
-
as far as i know, there's nothing against elephant using autoglass for all of their windscreen replacements.
I do the same kind of deals in bars, i'll sign them onto a sole premium packaged lager agreement where they can only stock our brands.
If Elephant are getting the most competitive rate through Autoglass Vs i dunno there's nothing to stop them from doing so...
Isn't all uk glass manufactured by pilkington anyway - I remember them being investigated by the competition commision and they ruled in favour of a monopoly as it was the best for the end customer?
-
When I smacked my first MKII it was insured with all mods declared bu they would only replace the front grill with a standard item and not the single lamp badgeless one it had when i crashed and they'd only fit orange front winkers when I had clear ones. Oh yeah and they wouldn't replace the eyebrow.
Nick
-
as far as i know, there's nothing against elephant using autoglass for all of their windscreen replacements.
'Fraid you are very wrong there. Two completely separate "standards" prevent them - the first is UK legislation, and the second is ABI code of practice.
They may try to get away with it, and with peeps like you, will probably succeed, but put your foot down, stand up for your rights, and they will cave in.
I do the same kind of deals in bars, i'll sign them onto a sole premium packaged lager agreement where they can only stock our brands.
Didn't know Bud or Stella had to be crash tested! Does it have an "E" number on it! :rolleyes:
Please try to stick with the subject in question! :wink: :smiley:
And I think if those bars knowingly sold different beers to what was on the pump handle, then they too can be prosuecuted. Deception is a serious criminal offence. :rolleyes:
If Elephant are getting the most competitive rate through Autoglass Vs i dunno there's nothing to stop them from doing so...
Wrong again. Firstly, all UK insurers MUST only use OEM parts (unless an agreement is reached with the policyholder not to). Secondly, any insurance company who categorically states that you MUST ONLY use AutoGlass, or another sole provider, is in very clear, and absolute breach of UK legislation. There is absolutely no defence for this. As a policyholder, and a resident of the UK, you are 100% within your rights to demand the work is carried out by a company of your choice, and using genuine parts - and without any penalty (inflated cost). OK, Elephant may try to shaft you come renewal, but then you certainly wouldn't be staying with them!
Isn't all uk glass manufactured by pilkington anyway - I remember them being investigated by the competition commision and they ruled in favour of a monopoly as it was the best for the end customer?
Erm, read the thread thoroughly. :rolleyes:
AutoGlass manufactures all its own glass at its own facility in South Africa (which is not subjected to EU legislation). :rolleyes:
Volkswagen, in case you didn't realise, are a German company, :wink: and they don't make cars in the UK (apart from Bentleys at Crewe :wink:). :nerd: Furthermore, Volkswagen can source OEM glass from a variety of suppliers, and the Golf OEM glass is made by the French company, Saint Gobain. :nerd:
-
Thanks Horney/ TT, I take it that you pointed out that you had declared all your mods therefore and they obviously reneged on the badgeless grill. I bet they said your increased premiums took account of the additional risk that your badgeless grill and blue winkers introduced, but it did not cover you for their replacement.
Legalised robbery. I guess though on their side you could have a hand crafted one off masterpiece that is your front grill...it could cost any amount to replace so they are covering themselves against further loss. Twas it ever thus :angry:
-
When I smacked my first MKII it was insured with all mods declared bu they would only replace the front grill with a standard item and not the single lamp badgeless one it had when i crashed and they'd only fit orange front winkers when I had clear ones. Oh yeah and they wouldn't replace the eyebrow.
Nick
I suppose it depends on the "detail" of what they agreed to cover.
They may have said sommat like "we will insure Horneys modified Mk2, but if the tool prangs it, we will only fit the same bits which it had when it originally left the gates at Wolfsburg" :wink: :grin: :laugh:
And were these modified bits still available? :huh:
-
I still can't think of the word tt :laugh:
Basically it does come down to what is declared on your policy - hence why a lot more people whom are putting money into their cars are agreeing on an actual value rather than the standard fully comp cover - do you actually know what fully comp covers you for? yeah damage to your car, yourself, passenges, third party etc but its not actually broken down per item of your car..its obvious if an insurance company can get away with not replacing a more expensive item on your car then they will..this is all my opinion btw!
as the tp comment tt - if the mods were not covered on the policy, would they have to be claimed back as a separate loss?
Dinx :kiss:
-
I still can't think of the word tt :laugh:
Yer just teasin me now! :embarassed: :grin:
Basically it does come down to what is declared on your policy - hence why a lot more people whom are putting money into their cars are agreeing on an actual value rather than the standard fully comp cover - do you actually know what fully comp covers you for? yeah damage to your car, yourself, passenges, third party etc but its not actually broken down per item of your car..its obvious if an insurance company can get away with not replacing a more expensive item on your car then they will..this is all my opinion btw!
I agree with most of the above - and you basically hit the nail on the head. If we all let them get away with it, then sure they will - afterall, they are a "business" at the end of the day, and you can't really blame them for trying. But certain, safety-critical items really shouldn't be skimped - and for those critical items, then the insurers should really know better.
as the tp comment tt - if the mods were not covered on the policy, would they have to be claimed back as a separate loss?
Well that depends. If the accident was your own fault, then there will be no third party to pick up the tab. However, if you had a custom stainless exhaust which was not covered (irrespective of weather it was declared or not), and someone did a "Lewis Hamilton" on you, and whacked you up the arse as you sat at red traffic lights, then there is a very clear right to claim all losses from the tool which slammed your chuff - ie the 3rd party.
-
as the tp comment tt - if the mods were not covered on the policy, would they have to be claimed back as a separate loss?
Well that depends. If the accident was your own fault, then there will be no third party to pick up the tab. However, if you had a custom stainless exhaust which was not covered (irrespective of weather it was declared or not), and someone did a "Lewis Hamilton" on you, and whacked you up the arse as you sat at red traffic lights, then there is a very clear right to claim all losses from the tool which slammed your chuff - ie the 3rd party.
I get that...however, most insurance companies will only do as much paperwork as they have to, therefore, yes all costs can be recovered from the tp, but surely your insurance company would only request settlement of the items covered on the policy they have in place with you? Hence why I asked if items not covered on said policy would then have to put as a separate claim, obviously you having to produce proof of purchase ?
Sort of how and why would they request settlement of items they know nothing about? :undecided:
Dinx :kiss:
-
I still can't think of the word tt :laugh:
Yer just teasin me now! :embarassed: :grin:
I sent you a pm :grin:
Dinx :kiss:
-
....So if some idiot slams into my rear and breaks my 'aftermarket-but-declared-to-insurer-with-adjustments-to-premium-and-excess' Milltek zorst, my insurer will only pay for a stock exhaust?
And will I have the option to accept that and pay the difference to have a Milltek replacement?
Also will I have the option to have the damaged exhaust to do with it as I will? [<< Just realised what I've written!!]
-
No, they should pay for what you have declared..
I dunno about that, but I would assume so as they will be no more out of pocket.
What as in buy it back? :undecided:
Dinx :kiss:
-
....Logic says that the insurer should pay for what's declared - Otherwise, what's the point of declaring it and its value? But some insurance companies make a point of stating they do "like for like" and therefore implying that others don't.
....Yes, as in buy-it-back. But as I'm very friendly with the boss of my Accident Repair Centre, I'm confident that he'd probably give it to me or at least do all he could to help me out overall.
-
Well like I say, its all down to policy wording...if you declare it, then you paying for to have that on your car, therefore, they are covering that item so they should replace that item,imo..I'd fight the bar stewards all the way if they disagreed..
I'm not too sure how that works - as in maybe you would have to give them some cash towards it if it was deemed sellable or maybes not? suppose it depends on your insurer
Dinx :kiss:
-
Guy is coming today to fit the new one. Im off to football in a sec so wont be here when its fitted. Will let you know when I get back if its a good job, I pray it is, really cant be dealing with fooking waiting on the phone with idiots at the insurance company.
-
So...what happened then?
Dinx :kiss:
-
Dont lol, guy turned up Saturday while I was in the shower so thought result, I can wait for him to get it done. Turns up with green tint when mine has blue tint . . .
They are coming to my work on Thursday to fit a blue one. Something happened in Croydon town centre and they closed the main flyover to get to where I live, took the guys hours to get here and he was here for all of 3 minutes lol. Shall let you know how I get on on Thursday.
-
Dont lol, guy turned up Saturday while I was in the shower so thought result, I can wait for him to get it done. Turns up with green tint when mine has blue tint . . .
....I gave you a heads-up about the blue or green tint and assume you told them but they still got it wrong.
I was also going to post strongly advising you to be there - Either cancel footie or postpone them, but didn't think it was my place to say so.
Good Luck Thursday!
-
Yes, I told them blue but he turned up with green.
cancel footie !! Are you MAD !! :shocked:
Anyho I will be there to keep a keen eye tomorrow, lets just hope it all goes well.
-
Matey boy is out there now swapping it over. Screen looks identical (as I would expect) to the one I have there now. The guy even had the cheak to say they he wouldnt even replace the windscreen for the chip that I have on mine. Let see him spend lots of money on a nice car and say the same, cheaky bastard. I was going to offer him a cup of tea until he said that.
-
Matey boy is out there now swapping it over. Screen looks identical (as I would expect) to the one I have there now. The guy even had the cheak to say they he wouldnt even replace the windscreen for the chip that I have on mine. Let see him spend lots of money on a nice car and say the same, cheaky fatherless son. I was going to offer him a cup of tea until he said that.
I would still offer him the tea.. just the special variety :wink: :evil:
-
Dont lol, guy turned up Saturday while I was in the shower so thought result, I can wait for him to get it done. Turns up with green tint when mine has blue tint . . .
....I gave you a heads-up about the blue or green tint and assume you told them but they still got it wrong.
But at the end of the day, "heads-up" or not - this is basically just one of the many reasons why you should never use AutoGlass for screen replacements. If you use only a screen supplier who sources OEM glass, then ETKA will tell them EXACTLY which colour glass was fitted, so no fannying around, and no wasted time.
And incase peeps here didn't realise, VW stealers can also carry out screen replacements, and can provide the same excess terms as any of the dedicated screen fitters.
I was also going to post strongly advising you to be there - Either cancel footie or postpone them, but didn't think it was my place to say so.
Didn't I already say that - page 4, reply #31 in this thread! :rolleyes:
-
TT, My £70 excess payment is only valid with Autoglass (as they have the contract with Elephant). Should I want to get a third party supplier such as VW to fit it I would simply get a £50 payment from Elephant (which would end up costing me a fortune !!)
-
Matey boy is out there now swapping it over. Screen looks identical (as I would expect) to the one I have there now.
When he's gone, can you take a pic of the area of the screen which has the manufacturers logo, along with all the "E" number approvals, and post the image?
The guy even had the cheak to say they he wouldnt even replace the windscreen for the chip that I have on mine. Let see him spend lots of money on a nice car and say the same, cheaky fatherless son.
See, these tossers just don't have the same level of pride, nor expectations of excellence, as we personally do. I bet you are left with some loose trims from where they brake the clips! :rolleyes:
I was going to offer him a cup of tea until he said that.
Wipe your cheesey bell-end around the inside of the mug, before filling it with Brooke Bonds finest! Or add a sachet of Ex-Lax! :wink: :evil:
-
When he's gone, can you take a pic of the area of the screen which has the manufacturers logo, along with all the "E" number approvals, and post the image?
Will do.
Im also going to be taking out a glass of water to make sure the rain sensor works. Is the auto lights sensor on there aswell?
-
TT, My £70 excess payment is only valid with Autoglass (as they have the contract with Elephant). Should I want to get a third party supplier such as VW to fit it I would simply get a £50 payment from Elephant (which would end up costing me a fortune !!)
Like I said in a previous post, that is ILLEGAL. They can NOT do that. They can NOT insist that you only use their "own" supplier or contractor. And they can NOT impose additonal costs on you should you chose your own contractor. Get their highly illegal terms in writing from Elephant, and forward it to:
The Unfair Contracts Terms Unit,
The Office of Fair Trading,
LONDON
(get their full address from the OFT web site)
Because what Elephant are doing is breaching well-established "anti-competition" legislation. They have effectively created a monopoly, and by doing so, can be proven to have either rigged the prices, or rigged the level of service to below the required "expectations".
I would have actually used a VW main stealer to replace the screen, and then issued a County Court Summons against Elephant - and I know I would win. Been there, very nearly got the T-shirt, but in the end, Norwich Union were forced to back down, and didn't fight me when I demanded a genuine screen was used. Liverpool Victoria don't insist you only use AutoGlass, and providing you inform them in advance, are happy to supply an OEM screen without any quibbleing.
Sadly, with insurance, just like everything in this world - you get what you pay for. Cheap insurance from an unreasonable insurer will mean crap service. Elephant, Admiral, Hastings, Budget and the likes should only really be used if you are running around in a 20 year old shed of an Escort or similar. With modern, expensive cars, you should really only use the higher quality insurers. :rolleyes:
As I mentioned in an earlier post, on older cars where the windscreen is held by the old skool rubber gasket, then the screen isn't a structural component - so the quality of the glass is not an issue. However, on all modern cars which use "bonded" screens, then the screen IS structural, and forms a part of the entire structure of a vehicle, and will be assesed and evaluated during all of the regulatory crash tests, along with the voluntary tests such as EuroNCAP. This is one area which the Yanks have spot on - they do NOT allow non-genuine screens to be fitted, and you won't see AutoGlass plying their trade in non-regulated screens in the USA.
-
When he's gone, can you take a pic of the area of the screen which has the manufacturers logo, along with all the "E" number approvals, and post the image?
Will do.
Im also going to be taking out a glass of water to make sure the rain sensor works. Is the auto lights sensor on there aswell?
Yup, the light and rain sensor are basically the same unit. However, the auto lights function also uses an additional sensor in the mirror housing too (I think! :undecided: Or is this for the auto dipping interior mirror - need to check this).
-
Dont lol, guy turned up Saturday while I was in the shower so thought result, I can wait for him to get it done. Turns up with green tint when mine has blue tint . . .
....I gave you a heads-up about the blue or green tint and assume you told them but they still got it wrong.
But at the end of the day, "heads-up" or not - this is basically just one of the many reasons why you should never use AutoGlass for screen replacements. If you use only a screen supplier who sources OEM glass, then ETKA will tell them EXACTLY which colour glass was fitted, so no fannying around, and no wasted time.
And incase peeps here didn't realise, VW stealers can also carry out screen replacements, and can provide the same excess terms as any of the dedicated screen fitters.
I was also going to post strongly advising you to be there - Either cancel footie or postpone them, but didn't think it was my place to say so.
Didn't I already say that - page 4, reply #31 in this thread! :rolleyes:
....So? You don't really expect everyone to remember every single word posted do you? If we said the same, we obviously agree on something.
I'm wondering what kind of tea you had this morning - You seem to be particularly scratchy with me today.
Agree about Autoglass - I wasn't happy with their service either a while back.
-
Dont lol, guy turned up Saturday while I was in the shower so thought result, I can wait for him to get it done. Turns up with green tint when mine has blue tint . . .
....I gave you a heads-up about the blue or green tint and assume you told them but they still got it wrong.
But at the end of the day, "heads-up" or not - this is basically just one of the many reasons why you should never use AutoGlass for screen replacements. If you use only a screen supplier who sources OEM glass, then ETKA will tell them EXACTLY which colour glass was fitted, so no fannying around, and no wasted time.
And incase peeps here didn't realise, VW stealers can also carry out screen replacements, and can provide the same excess terms as any of the dedicated screen fitters.
I was also going to post strongly advising you to be there - Either cancel footie or postpone them, but didn't think it was my place to say so.
Didn't I already say that - page 4, reply #31 in this thread! :rolleyes:
....So? You don't really expect everyone to remember every single word posted do you? If we said the same, we obviously agree on something.
I'm wondering what kind of tea you had this morning - You seem to be particularly scratchy with me today.
Sorry mate. :smiley: Been awake most of the night with bad guts! :embarassed:
Agree about Autoglass - I wasn't happy with their service either a while back.
What was wrong? Did they resolve it, or did you have to go elsewhere to get it fixed?
-
....I very much sympathise with the bad guts, T_T - It's guaranteed to make you feel very 'off'. Too much lobster?
....I found Autoglass's attitude to be too high 'n mighty and they wouldn't allow me just to pop by their local place to check if anything was necessary and they were very limited in setting a fixed time appointment. I ended up going to a guy who was set up in my local supermarket car park but who had a Mk4 GTI and was more of an enthusiast and did a nice repair which has held well so far.
-
Far too late but maybe worth mentioning that as soon as you get the insurance ombusdman involved in an insurance claim it costs the insurance company a fair chunk of money (something like £400) even if they end up finding in favour of the insurance company - so its a powerful threat.
A friend of mine wrapped his range rover around a post in a multi storey car park. He then did a little bit of shuffling to get away from the post which meant scraping it a little more .........his b%^tard insurance co then tried to claim that he was claiming for 3 seperate 'incidents' (the initial impact and two manouvers that caused more damage) so would have to pay 3 excesses!
Naturally he told them to get raffled and after speaking with a solicitor was advised to hit them with the ombusdman threat, they caved in an hour. Up to that point I didn't realise just how ruthless they were.
-
Far too late but maybe worth mentioning that as soon as you get the insurance ombusdman involved in an insurance claim it costs the insurance company a fair chunk of money (something like £400) even if they end up finding in favour of the insurance company - so its a powerful threat.
A friend of mine wrapped his range rover around a post in a multi storey car park. He then did a little bit of shuffling to get away from the post which meant scraping it a little more .........his b%^tard insurance co then tried to claim that he was claiming for 3 seperate 'incidents' (the initial impact and two manouvers that caused more damage) so would have to pay 3 excesses!
Naturally he told them to get raffled and after speaking with a solicitor was advised to hit them with the ombusdman threat, they caved in an hour. Up to that point I didn't realise just how ruthless they were.
Well said. The Ombudsman was the one big orgainisation which I completely forgot about in my earlier posts.
AlanD, have you got the pics of your new screen logo? And how does it compare to the OEM one?
-
Oh yeah , forgot about that. I doubt you will be able to see it with my camera phone as its quite small so will take on with my proper camera when I get home and stick it on here. It looks identical and I can't see any diffrence what so ever with it. Tint is spot on and the install is impressive, impossible to tell its a new pain (is that the right way to spell pain of glass ? lol) apart from the lack of VW badge in the corner. Rain and light sensors all working ok (as you would expect).
-
Pane :wink: :tongue:
Is it "optically clear"? Some non OEM screens are known to look "out of focus", particularly if you look at just one object on the outside whilst viewing through different parts of the screen - particularly from top to bottom?
And it is good to hear that they can do a good job, when they want to. Suppose they are no different to most other companies really.