Can you claim your car insurance if your car needs repairs not caused by an accident?
If you have fully comprehensive insurance can you make a claim even though you have not been in a crash or other accident? The car in question has an MOT however it needs extensive repairs and is not drivable. The repairs are going to cost more than the car is worth and so it really just needs to be scrapped or sold for a ridiculously small sum of money to someone who can fix it up. The problem is that there is still a huge outstanding balance for the loan repayment of the car! Can anyone help please?
If you are in the uk, you cannot claim. Insurance is for accident damage such as being involved with another car/tree/ wall etc.
Repairs come under 'wear and tear' and are not covered. Also, most insurers wont pay out for a car that has not been looked after anyway - it usually states in your policy that you need to maintain the car in a roadworthy condition. ive rejected claims for damage because the person skidded into a tree and wrote the car off, when we examined the car it was found to have bald tyres. The accident was preventable. if they had they maintained the condition of the tyres they wouldnt have skidded, so no pay out.
a lot of people in this situation decide to make a fraudulent claim and have the car'stolen' and burnt out - insurers are aware of this and will still be able to check the condition of the car - they can tell if it was in good condition or not. Its one of the things they check as so many people claim its been stolen & burnt when its in crap condition.
Same goes for smashing it into a tree to make a claim - they will still check the previous condition of the car, engine etc and will deduct money for poor condition.
How about getting the repairs done with second hand parts - you dont say what needs doing, but if you can get parts from a scrapyard it will reduce the cost a lot.
See if a small independant garage will come nd take a look at it - tell them u want to use second hand parts etc, see if they can give you a quote or advice.
There is nothing you can do about the loan on the car, it has to be paid, you cant get out of it.
And next time you buy a car - get it serviced and repaired when it needs it, dont leave it til it falls apart!
