Bell has told me I'm not covered on my insurance

forgotmyname

Mechanical failure. Turbo failed and the engine runs away on its own sump oil.

It revs more and more until you stall it, It runs out of oil or something breaks and seizes up.

Either way you didnt stall it and its a mechanical issue so not covered. If you had a warranty then that may have covered some of it. But they usually exclude consequential damage. So they will replace the turbo on your dead engine.

Quentin

Helenaj wrote: »

Hi

It's fitted as standard. I'll try the complaint route but was wondering if they were pushing their luck in the hope that I would not challenge them.

Thanks for your swift replies.

Regards

Helena

No. You were badly advised in #2. (Giving false hope of a complaint succeeding)

They aren't trying it on.

As everyone else is advising, don't build up your hopes that this is covered by insurance and start to concentrate on how to replace your car yourself.

Helenaj

Quentin wrote: »

No. You were badly advised in #2.

They aren't trying it on.

As everyone else is advising, don't build up your hopes that this is covered by insurance and start to concentrate on how to replace your car yourself.

Hi

Thanks for the advice. No I was looking anyway for a car myself. It just rankled that the letter they sent me stated that since I didn't stall the engine, the turbo blew, hence the implication is that it was my fault. As far as I was aware the car was on fire, so I'm hardly going to sit in it and try and stall it - not that it even occurred to me that this would remedy it! As far as I was concerned my life was at risk, as was that of my passenger and we both exited the vehicle as soon as we could do so. I turned off the ignition and took the keys with me, but it obviously didn't make any difference.

Thanks again all for your advice.

David_InsDef

Quentin wrote: »

No. You were badly advised in #2. (Giving false hope of a complaint succeeding)

They aren't trying it on.

As everyone else is advising, don't build up your hopes that this is covered by insurance and start to concentrate on how to replace your car yourself.

Excuse me??

The OP has nothing to lose by invoking the complaints procedure at this point. The insurer has based their decision on 1 (their own) engineer's report - of course they never get it wrong do they? If nothing else, it gets the insurer to revisit the case - there's nothing to lose in doing that.

Whilst we're talking of 'bad' advice - your constant guiding forum members to put dummy quotes through websites does 1 thing - it lights up insurers' fraud radars like a Christmas tree. Insurers get ALL variations of quote data back from their own websites and the Aggregators and use it to identify cases where data differs quote to quote and from any policy subsequently taken out. Your advice in this regard serves only to cause people problems. Similarly, your stock response seems to be 'escalate your problem to the FOS (at no cost to you)' - yes that may be the ultimate conclusion but you often do little to guide posters with their specific problem.

You really are rather rude and your posts are often dictatorial, confrontational or adversarial. It's clear you have a small amount of insurance industry knowledge but it's rather a long way off being complete.

Quentin

David_InsDef wrote: »

.....your stock response seems to be 'escalate your problem to the FOS (at no cost to you)' - yes that may be the ultimate conclusion but you often do little to guide posters with their specific problem.

You really are rather rude and your posts are often dictatorial, confrontational or adversarial. It's clear you have a small amount of insurance industry knowledge but it's rather a long way off being complete.

No


You misleadingly quote me. You cannot escalate a problem to the FOS without first going through the company's complaints procedure. Often that is the only avenue for an issue to go (eg when the complainant feels unfairly treated, even though the insurer has acted in accord with the ts + cs)


But you complaining about such a post is a bit rich in view of your post #2 here, which doesn't make any attempt to "guide" the OP:

You would need to raise a formal complaint with Bell Insurance and if they decision doesn't get overturned then take it to the Ombudsman once Bell have issued a final response to your complaint. They have up to 8 weeks to issue a final response.

Best regards

(Everyone else has contributed to explain why the OP cannot expect a successful claim/complaint over this)


Dummy quotes cannot alert anyone to do anything in retribution - the clue is "dummy" meaning anonymous!


Using dummy quotes is a good way when you want to play with quotes to see which option is the cheapest/the effect of claiming v paying yourself after causing damage etc


Your unnecessary personal remarks seem designed to cause trouble - where do you see I have been rude to you? If you simply don't like a poster ignore them using the facility provided.

Smithers37

You're both kind of wrong.

1) This isn't something that should be escalated, because the case is clear. I'd very much doubt that the FOS would even take this case on, let alone uphold it. Mechanical damage isn't covered, unless your policy states that it does. So raising a complaint that could take 8 weeks is kind of a waste of time.

2) Yes, dummy quotes CAN alert the fraud systems. I know because I've worked with them. In order for a quote to serve any kind of purpose or be meaningful in any way, you would have to use at least some of the correct details. The details are cached, so you have a greater chance of the fraud systems flagging and you'll have to send proof of address, driving licence, V5 etc. Some insurers will simply ask for these proofs if you incept a policy, some will just hike their prices and take a punt.

pvt

Helena,

Do a search on YouTube for "runaway diesel engine", and you'll find this type of thing is not uncommon.

It's mechanical failure, and your normal motor insurance will not cover it, as most people (except David) have pointed out.

Quentin

Smithers37 wrote: »

In order for a quote to serve any kind of purpose or be meaningful in any way, you would have to use at least some of the correct details.......

Which correct details would you have to use that are traceable?


(Not name/address/dob/car reg/ occupation/history dates/conviction dates/NCD/etc)

David_InsDef

Quentin wrote: »

No


You misleadingly quote me. You cannot escalate a problem to the FOS without first going through the company's complaints procedure. Often that is the only avenue for an issue to go (eg when the complainant feels unfairly treated, even though the insurer has acted in accord with the ts + cs)

.

Which is exactly the (only) point I made above. The OP asked if she should speak with the Ombudsman and I pointed out what she would need to do before it reached that point. How exactly does that give false hope or in fact allude in any way as to the likelihood that a complaint will succeed or otherwise?

Smithers37

Quentin wrote: »

Which correct details would you have to use that are traceable?


(Not name/address/dob/car reg/ occupation/history dates/conviction dates/NCD/etc)

Anything that identifies someone. So; Name, Address, DOB, Car reg.