Endsleigh Comprehensive Car Insurance - Not Very Comprehensive

gilbert_and_sullivan

Quentin wrote: »

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.

And i still believe misfuelling shouldn't be paid for by normal car insurance, it's not a road accident in the grand scheme of things, if someone wishes to insure against it seperately then by all means do so.

Where did i suggest there was a fiddle?

Quentin

It has been explained to you that despite your opinion, insurance companies do cover against this occurring. You say it's different "negligence" to the negligence of driving into someone on the road, you say its a reason insurance is expensive, you say you don't agree with it being covered by insurance.

But it's all immaterial. The OP came here after being misinformed by his broker and doesn't need a lecture on the moral rights and wrongs (in your opinion). This is a moneysaving site, and advice on how to save £4,000 is much more helpful than your holier than thou attitude.

And here's where you suggested there was a fiddle going on (in your opinion, of course):

gilbert_and_sullivan wrote:

I still believe a reasonable sum to drain, flush and refilter the car would be £200 max

gilbert_and_sullivan

Quentin wrote: »

It has been explained to you that despite your opinion, insurance companies do cover against this occurring. You say it's different "negligence" to the negligence of driving into someone on the road, you say its a reason insurance is expensive, you say you don't agree with it being covered by insurance.

But it's all immaterial. The OP came here after being misinformed by his broker and doesn't need a lecture on the moral rights and wrongs (in your opinion). This is a moneysaving site, and advice on how to save £4,000 is much more helpful than your holier than thou attitude.

And here's where you suggested there was a fiddle going on (in your opinion, of course):

And according to the link you helpfully provided previously it seems many insurance companies are rejecting these claims anyway.

The vast majority of misfuelling incidents are resolved by local garages draining , cleaning and refilling...indeed the AA alone has a fleet of over 100 purpose built vans doing presicely that every day of the week, at a cost of around £150 to £200 to the absent minded owner.
Now as this is a money saving site, unless the OP has insurance with no excess by the time they have paid the excess and possibly an increase on next years premium too then they will be out of pocket...and all this for no reason.
The OP's partner travelled approximately 100 yards, it's extremely unlikely that any lasting damage has occurred.

So you were wrong to accuse me of suggesting there was a fiddle, it's most likely that the OP's car will be perfectly fine after draining, the £4K bill is completely over the top and it's likely that perfectly good parts will be changed for no reason.

Quentin

gilbert_and_sullivan wrote: »

And according to the link you helpfully provided previously it seems many insurance companies are rejecting these claims anyway.....

And you're not here trolling?

That link was from where I quoted the ombudsman's attitude (that unless specifically excluded under a policy, then the insurer IS liable).

We know you would reject all these claims, however as previously posted, your opinion differs from the ombudsman, and anyone getting such a claim rejected (by an insurer who has not specifically excluded the risk in its policy) will have a result if the case gets as far as the ombudsman.

cavework

£4000 is absolutely ridiculous!
You should be looking at £1000 max.. like Chippy has said .. how much fuel did he put in? Sorry you said, he filled up but if he only drove 100 yards?
Wait for the garage to come back and even then I would either get a second opinion or haggle .

Quentin

cavework wrote: »

£4000 is absolutely ridiculous!

How come everyone's an expert?

This guy would have happily settled for £4k to fix his wife's BMW - cost him £6k, and he's not even stupid!

http://www.mirror.co.uk/celebs/news/2008/09/24/wayne-rooney-fills-coleen-s-car-with-wrong-fuel-115875-20750285/

rioroccoroma

The £4000 estimate was to do with the fact that the car was completely empty, that apparently just turning the engine on is a bad idea (which if course he would not have done has he realised his mistake/accident/crime punishable by death). The car was bought from new 3 years ago and has been filled many times with diesel. This was a genuine mistake/accident/etc.

Given that 155,000 people a year (including 50,000 police people this year) mis-fuel their cars, surely insurers could easily put in a "no wrong fuel clause" in the same way that they do for "leaving your keys in the ignition and still expecting to find your car" exclusions, if they didn't want to cover mis-fuelling in a fully comprehensive policy. It's a common enough accident to warrant the ink, surely.

mcjordi

Quentin wrote: »

How come everyone's an expert?

This guy would have happily settled for £4k to fix his wife's BMW - cost him £6k, and he's not even stupid!

http://www.mirror.co.uk/celebs/news/2008/09/24/wayne-rooney-fills-coleen-s-car-with-wrong-fuel-115875-20750285/

:rotfl::rotfl:

bob_a_builder

unleaded petrol wont make a huge amount of damage to a diesel engine

This SITE seems to claim it might
i.e Petrol in Diesel = Bad

"The big problems begin when the car is started and driven. Diesel lubricates the engine, while petrol is a solvent, and quickly removes any protection. Expensive high-pressure fuel pumps can be stripped and metal pieces blasted throughout the system. Replacing engines is rare, but renewing the fuel system and injectors typically costs around £3,000.

haggisAThome

mcjordi wrote: »

unleaded petrol wont make a huge amount of damage to a diesel engine
however if you put diesel in a petrol engine - big damage to fuel pump etc

drain the tank new filters and a flush of the fuel system, fill with a tank of diesel and some fuel treatment stuff and a good ole run out is sure to cure the problem

petrol in a modern diesel engine will cause serious amount of damage , common rail diesel engines run very high psi and rely on the viscosity of the fuel to lubricate the pump internally .

i remember when i was on a training course on diesel systems , and the trainer showed us the bearing on the main shaft of a high pressure pump that only did fifteen miles on contaminated fuel . in just a bit of a state !!!