More Than say I cant make a claim!!

[bluetaco]

I will keep this brief...

 

New Peugeot C3 about 10 months old, rear bumper came loose and flew off of motorway, Morethan say I cant claim as there was no third party involved in the incident.

 

Peugeot refuse to repair under warranty.

 

Any thoughts highly appreciated.

 

Thanks

Scott

[BankFodder]

http://www.morethan.com/car-insurance

 

It all depends on what your insurance policy says. If you are insured for third-party damage only then it sounds right to me that only the victims of some problem or accident will be able to recover their losses.

 

Who did you buy the car from? If you only had it 10 months then it seems to me that your right of action is against them. It will be much better to sue the seller of the vehicle on the basis of your consumer rights then putting in a claim against your insurers and suffer an increase in premium at the next renewal date

[bluetaco]

Thanks, Car is Fully Comprehensive.

 

We had a Solicitor who was going to sue Peugeot but then decided there was a conflict of interest for them and backed off. Do you think we should find another solicitor as the car was bought new from a Peugeot dealership.

[BankFodder]

Why do you need a solicitor? Sue them yourself. It's dead easy and on the basis of what you say your chances of success are better than 90%.

 

I'm assuming that you haven't been tinkering with the car yourself. Peugeot wouldn't be able to turn round and say that you would they? Which dealer did you get it from? And is this the dealer that refused to help you?

[unclebulgaria67]

I will keep this brief...

 

New Peugeot C3 about 10 months old, rear bumper came loose and flew off of motorway, Morethan say I cant claim as there was no third party involved in the incident.

 

Peugeot refuse to repair under warranty.

 

Any thoughts highly appreciated.

 

Thanks

Scott

 

Think there has been a slight misunderstanding or a poor explanation.

 

If you read an Insurance policy, it is all about perils you are insured against e.g fire, theft, accidental damage.

 

If a bumper just falls off the car for no apparent reason, there is nothing suggested that caused this to happen e.g you had hit a bollard previously. There is usually an exclusion in Insurance policies which says you cannot claim for manufacturing faults or faulty workmanship. This stops people claiming for anything that happens to a car, which is beyond the scope of what Insurers believe Car Insurance should be about. It was never intended to cover bumpers or other parts that just fall off a car, because they were not fixed to the car properly.

[bluetaco]

Hi BF

 

It was bought from Robbins & Day Gateshead and yes they refused to fix under guarantee. The car was not tampered with by me however after it happened the dealership sent someone out to take a look and their guess was that thieves had started to undo the bolts to steal it and been scared off. (This of course is speculation)

 

However it was at the dealership prior to coming off as it was loose, they "secured" it but refused to do a complete job with new nuts and bolts under g'tee and wanted £94 approx to fix (no signs of any other damage to bumper)

[bluetaco]

Hi unclebulgaria67

 

Thanks for that information, that explains where they are coming from then.

[unclebulgaria67]

Here is my opinion for what it is worth.

 

You don't really know what caused the bumper to have come loose. Speculation it might have been attempted theft, but you can't prove this. You garage looked at it after you noticing the problem, but they refused to fix it with new nuts/bolts under the guarantee and wanted to charge you. The garage only secured it without using new parts, you then drove the car and the bumper came off.

 

In this situation, i don't think you can go back to the garage, as you have no evidence of a fault covered by the guarantee and the garage told you before you drove it away that it needed new nuts/bolts, with no admission of any issue which garage had any responsibility.

 

The Insurers, even with attempted theft being covered in regard to parts, would have a problem that you had a solution of £94 to fix the bumper, but refused to do this, as you believed the garage was responsible. You have a responsibility under Insurance to take reasonable precautions to prevent/reduce any loss. The Insurers are therefore very unlikely to deal with a claim for attempted theft damage, when there is no proof and the increased bumper claim is due to it falling off the car, as it had not been fixed.

 

To summarise, i can't see you having any claim against the garage or insurance. Whenever i have had such issues with a car, i have taken it to a garage and looked at it with a mechanic on a ramp. You really need to look at the damage yourself to see what the problem is. The £94 was probably mostly labour and you might have been able to get nuts/bolts for a few quid to fix yourself.

[bluetaco]

Thankyou unclebulgaria67

 

I agree with you. The car is actually my Fathers and I think once he drove away from the forecourt having been told it would not be repaired under warranty and they had done a remedial repair but not the full paid for repair then he has no claim to the larger repair in response to driving it as it was.

 

Peugeot should have done the repair as a matter of courtesy under warranty to a repeat customer since it COULD have been the parts had come loose during 10 months wear and tear, as it was they let him go knowing that there was a danger the bumper could come off and it actually did so, on the motorway at high speed and got run over by following cars, which could have caused a serious accident.

 

Any further insights welcomed.

[Nimrod205]

Was it a Peugeot or a Citroen? Peugeot do not have a C3 model.

[bluetaco]

Hi Nimrod,

 

Sorry, my bad, I meant Peugeot 308, I always get them mixed up for some strange reason.