Why me? For the love of God why me?

[Teutonic_Tamer]

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.  

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.   

[WobGTI]

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?

[Horney]

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

[Teutonic_Tamer]

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! 

Please try to stick with the subject in question!   

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. 

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. 

AutoGlass manufactures all its own glass at its own facility in South Africa (which is not subjected to EU legislation). 

Volkswagen, in case you didn't realise, are a German company,  and they don't make cars in the UK (apart from Bentleys at Crewe  ).    Furthermore, Volkswagen can source OEM glass from a variety of suppliers, and the Golf OEM glass is made by the French company, Saint Gobain. 

[No Golf Clubs at all]

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  

[Teutonic_Tamer]

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"     

And were these modified bits still available? 

[Dinky]

I still can't think of the word tt

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

[Teutonic_Tamer]

I still can't think of the word tt

Yer just teasin me now!  :embarassed: 

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.

[Dinky]

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?

Dinx

[Dinky]

I still can't think of the word tt

Yer just teasin me now!  :embarassed: 

I sent you a pm

Dinx