Endsleigh Comprehensive Car Insurance - Not Very Comprehensive

rioroccoroma

Gilbert and Sullivan - It sounds like you would prefer that we didn't try to pursue this claim. It's precisely for differing points of view that contracts are put in place. Opinion can vary and the discussion then surrounds the wording of the contract. Mis-fuelling it turns out, is not excluded nor are general acts of negligence - only a list of predefined ones.

Insurance costs are soaring mostly due to fraud and the recent bad weather. We don't do fraud and took great care to buy a house in an area with little possibility of flooding. I don't however begrudge the help I have given to other people due to my generous payment of premiums. You cannot infer that we lack responsibility in general or specifically, from this thread. There isn't enough evidence for you to draw that conclusion.

With regards to insurance premiums, tax, and all other societal activities, we are net contributors. My personal responsibility quotient remains intact.

Quentin - that's a great link. I will get one of those to make sure this doesn't happen again. Thanks a lot.

gilbert_and_sullivan

Rioroccorama, i think the cost quoted by the dealer (presumably) is outrageous when most misfuelling incidents can be sorted out for a couple of hundred quid, especially given the fact that your husband only travelled 100 yards before the poor running of the car obviouslt caused him that heart stopping moment, had he belted down the motorway for 100 miles with the engine coughing and spluttering whilst the pump and injectors progressively died then i could understand the likely bill.

I never suggested for one moment that you were being fraudulent in your claim, i expressed surprise that you were surprised that the insurance company considered (apparently wrongly though i would have thought this would be expressly ommitted in bold type) rejecting the claim.

Out of interest just why do the dealership quote you £4K, what parts are they going to change for this sum?

I still believe a reasonable sum to drain, flush and refilter the car would be £200 max which would probably make an insurance claim not worth the trouble.

Glad to see someone else is a net contributor too.

Chippy_Minton_2

OP

I know someone that's managed to do it twice. Each time, it only required the draining of the fuel and a clean up. You will be very unlucky if your vehicle requires anything more.

rioroccoroma

G&S - Some smart people in this thread have suggested ways to fix it that may be cheap. Unfortunately this happened a few hundred miles from home and the recovery we have would only deliver to a registered dealer. The garage gave us a rough estimate of cost based on their experience of the same, and the real estimate will be communicated tomorrow.

I would prefer that an insurance company is involved because then I get some help with making sure the garage do the right type of repair at a reasonable cost. The insurers would send a loss adjuster I am told. Otherwise I am on my own.

It's a BMW and it's at a BMW dealership. Which may have something to do with the estimate.

gilbert_and_sullivan

Riorraccoroma, i've heard of several cases where BMW's have had their whole fuelling system changed by dealerships and huge bills, indeed up to £7K for X5's, 7 series' and the like issued.

May i suggest you get a definate OK, in writing preferably, from the insurance company concerned before you allow the dealer to start replacing the fuel system, the implications speak for themselves.

Despite our differences of opinion, good luck with this.

rioroccoroma

Chippy_Minton wrote: »

I know someone that's managed to do it twice.

Oh God! Poor things. I can't imagine many people do this on purpose. For me, I feel once has been enough.

The garage felt that because the car had been driven (even though it was only 100 yards), that was enough to cause real damage. I don't have knowledge of these things. We wait until their verdict tomorrow.

Quentin

G & S is displaying troll characteristics.

He began here by saying he felt it wrong to be contributing to any negligent acts.

When this is quashed, he changes to suggesting there is some sort of fiddle going on, as he believes the job is being overcharged some 20 fold!

Trolls are best left unfed.

Chippy_Minton_2

How much fuel did you OH put in the vehicle, remember it will mix with the old fuel so it wouldn't be 100% petrol drawn into the engine. I note you said the man at the garage deals with 100's of these a month. At £4000 a time for a new engine that dealership is onto a good thing. I'm sure many of these engines weren't scrap. I know the vehicle is at a main dealer but go for a second opinion, if your insurance comapny won't foot the bill.

rioroccoroma

CM - My husband drove into the petrol station on a completely empty tank, then filled it to the brim with unleaded.

Regarding "100s of claims per month" that was the claims processing agent - not the dealership. Although the dealer did say it was fairly common problem for them because unleaded nozzles do fit into diesel tanks. Not the other way around though.

456789

rioroccoroma wrote: »

Although the dealer did say it was fairly common problem for them because unleaded nozzles do fit into diesel tanks. Not the other way around though.

I was just thinking about the nozzles - it should not fit both ways\!!