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Drove through water and killed my engine! Will Admiral help?

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  • Quentin
    Quentin Posts: 40,405 Forumite
    phill99 wrote: »
    .... You have an obligation to mitigate your losses.

    More nonsense.

    As previous, ignore these ill informed posts from phill99, OP.

    (There is a warning that "anyone can post" here, irrespective of whether or not they can claim any knowledge of the subject!)
  • Muscle750
    Muscle750 Posts: 1,075 Forumite
    I would say thou that as you've already took it to BMW and instructed them admiral may not be happy and try and wangle out of it I'd of had it recovered straight away by your insurance company directions to their approved repairer they then may well of agreed to send it to BMW I think you should be ok if you shout and scream loud enough however more and more claims we see on flood damaged engines don't think it will be long before they say your not covered if you park up and you return to it submerged fair enough but to drive throu it is another story plus I've seen cars that that stopped just as they realise its a no hoper then some plank in a range rover steams throu and the wave then knackered the car that stopped and the plank in his range rover disappears into the distance
  • fto
    fto Posts: 588 Forumite
    my mate drove is BMW through water.
    New engine cost around 12k fitted...Insurance paid!
  • We had exactly the same issue on christmas day, I drove through a relatively small puddle and the airbox sucked in some of the water from underneith the car which caused the engine to go pop.

    Claim is currently going through esure...
  • Thanks ever so much for the replies. I get a bit annoyed when people say you shouldn't have driven through the water. It wasn't a pool of huge water or a particularly bad appearance, it's not feasible to stop on a corner of a dark countryroad road road at night due to a bit if of standing water. Fingers crossed the insurance pays!
  • Thanks ever so much for the replies. I get a bit annoyed when people say you shouldn't have driven through the water. It wasn't a pool of huge water or a particularly bad appearance, it's not feasible to stop on a corner of a dark countryroad road road at night due to a bit if of standing water. Fingers crossed the insurance pays!

    Ditto, good luck, keep us posted!

    Happy New Year! :j
  • opinions4u
    opinions4u Posts: 19,411 Forumite
    There is, of course, the write-off scenario that could end this tale.
  • Not really worth paying fortunes for these flash cars is it?

    Mine is a little 9 year old Ford which gets a wash every time I drive through water LOL.
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    Not really worth paying fortunes for these flash cars is it?

    Mine is a little 9 year old Ford which gets a wash every time I drive through water LOL.


    like my 09 golf
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • dacouch
    dacouch Posts: 21,636 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    opinions4u wrote: »
    There is, of course, the write-off scenario that could end this tale.

    Unfortunately Admiral are one of the few companies that don't offer a brand new replacement for cars written off with 12 months of purchase from new. So if the OP's car is within twelve months of purchase he'll miss out on many thousands of pounds.
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