Insurance advice

[Wayne Langford]

At the 4x4 Community Forum GTG at Gariep Dam last month, I damaged my Defender’s rear door and my fibreglass trailer, which are both insured comprehensively under 1 policy.

 

Insurance assessor has come back to state that they must use a second hand door, and has indicated 2 excesses will be applicable – a separate claim for each vehicle. What are your thoughts on them specifying that a second hand door must be used? Can they legally do that? I mean, why would they replace the door on 1 vehicle with a new one and then specify a second hand one on my vehicle? I am not being charged a “second hand” premium on my policy. What happens if the door has internal rust or something that only manifests in a year or more?

 

Needless to say, once this debacle is over, I will be changing insurer!

 

Kind Regards Wayne Langford +27 (82) 897 7367 (cell) +27 (86) 515 8820 (fax)

 

 

[Erin Bosch]

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[Erin Bosch]

Wayne, give me a call, we can chat about it.

 

Erin (082 342 1909)

 

From: lroc-te...@googlegroups.com [mailto:lroc-te...@googlegroups.com] On Behalf Of Wayne Langford
Sent: 22 May 2013 11:37 AM
To: lroc-te...@googlegroups.com
Subject: [LROC Techtorque] Insurance advice

 

At the 4x4 Community Forum GTG at Gariep Dam last month, I damaged my Defender’s rear door and my fibreglass trailer, which are both insured comprehensively under 1 policy.

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[Hendri Downing]

hi,

 

I had the same problem with my insurer.  The thing is they have to replace it with a door that is IN THE SAME CONDITION as your door before the accident.  So if your car is in good nick then just keep sending the second hand part back as being inferior to your door.  My insurer eventually put a brand new rear door on my defender as all the second hand ones they showed me were in worse condition than my original door -

 

good luck

hendri