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Dusty
Member Since: 23 Sep 2013
Location: London
Posts: 1022
  
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| Worth Claiming On Insurance? |
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Probably more by luck than judgement but I haven't had to claim on my insurance since the early 80's so I'm after opinions whether it's worth making a claim or not.
Parked in a narrow side street someone has hit one of the side steps, whacking it hard enough that it needs to be replaced. Also a few weeks ago in an underground car park in Germany despite clearing the entrance height guide on normal height easily the car park must have shrunk inside because we grazed the roof pod on the car park ceiling!!
A quote from my local Land Rover dealer including replacing both side steps and roof pod has the bill just north of £1300 
A couple of questions
1. Will the insurance company replace both side steps? I have genuine factory ones fitted that in my opinion have not aged particularly well, so to have a new step on one side and an old manky one on the other would look rather odd.
2. Is there a general rule of thumb how much they'll load the policy come renewal time and with an excess of £150 I'm trying to work out if it's worth it or not.
Probably comes down to whether they replace both steps or not as I could just buy one and DIY and
get LR to do the pod as that is surprisingly cheap at £140 including fitting.
Thanks for any opinions. Discovery 4 HSE
SDV6
2015
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 20th Nov 2017 8:45 pm |
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BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
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Its unlikly an insurer would pay to have the undamaged step replaced.
Buying a second hand step would perhaps match your undamaged step and you would do the job for less than your excess.
The roof pod is already less than your excess so there is no point in persuing that with insurers either. 
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| 20th Nov 2017 9:18 pm |
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M3DPO
Member Since: 22 Sep 2010
Location: Notts.
Posts: 8223
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They may not pay out at all if you have not told them it's not standard, i.e. Been modified by fitting extras. It can when others can't,
It will when others won't,
It goes where others don't.
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| 20th Nov 2017 9:28 pm |
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Dusty
Member Since: 23 Sep 2013
Location: London
Posts: 1022
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I would only use insurance if the whole lot was covered which I doubt very much.
The steps are the genuine article and were factory fitted so I don't think Insurance would wriggle on that aspect.
They're an insurance company, of course they'rd wriggle  Discovery 4 HSE
SDV6
2015
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| 20th Nov 2017 10:03 pm |
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Narpy
Member Since: 18 Jul 2011
Location: Stockport
Posts: 7830
 
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Undamaged, no chance for replacement.
They term this as betterment, i.e. the vehicle will be better than prior to the accident so you've no chance.
Why don't you just buy an aftermarket set from eBay and swap the pair over? Mods:
Front Fogs + Halos
FBH Remote Control
The 1st Ever RRS Modded Grill
Garmin Nuvi + D4 Surround + Reversing Camera.
D4 Steering Wheel.
Rear Boot Spoiler.
Twin Brake Lights.
Wing Mirror Indicator Repeaters.
Long Roof Rails
Make your own Narpy grill thread
I'm not scared, I'm outta here.
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| 20th Nov 2017 10:39 pm |
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L319
Member Since: 14 Dec 2013
Location: Herefordshire
Posts: 2083
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It will be two claims as well, so two lots of excesses, and two red marks against you on renewal.
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| 20th Nov 2017 11:35 pm |
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