do you think we can claim on car insurance?

Question

my boyfriend was driving it and the engine caught on fire will we be able to claim on the insurance? we have fully comp insurance

Answer 1

Read your policy. If it specifically states coverage for Fire, (usually bundled with theft and collision coverage) you're covered regardless of the reason for the fire unless you intentionally set it ablaze.

Answer 2

You can claim through comprehensive unless you set your car on fire intentionally. Comprehensive covers fire and vandalism (in case someone did something to your car that made it catch on fire). The comp coverage will also cover certain items that were in the car if they were damaged (you would need to look at your policy to know what is covered).

As long as your boyfriend was driving the car with your permission, it doesn't matter that he was driving, as he will be covered. You can lie and say you were driving, but the insurance company as a standard procedure will want a statement and if they realize you are lying, they will probably deny your claim for fraud.

Answer 3

It depends on a couple of things.

First of all, some comp claims can be highly subjective, meaning it's up to the whims of the insurance company whether or not the claim will be covered. If it's determined that the engine oil spilled on the engine block was the cause of the fire, it may not be covered. Which would be different than if it was determined that there was a short in the wiring harness.

Also, most auto coverages nowadays include a provision where it doesn't matter who is driving the vehicle. It's the vehicle that is covered, not family members who may be driving the vehicle.

However, this is something that should be checked. It's entirely possible that unless a person from a designated list of family members was driving, the policy is not in force.

Answer 4

You should be able to...depending on the cause of the fire...

As long as it was a defect in the workmanship and was not a result of any tampering/alteration or the like...

I would also check with the manufacturer of the vehicle to see if there were any recalls that involved situations such as yours...

A friend of mine at one time had a Nissan ZX where the engine caught fire...and come to find out there had been a recall...this was discovered after he had had the repairs done...Nissan issued a full refund for the cost of the repairs...

Answer 5

It relies upon on the insurer. A courtesey vehicle isn't a superb under the regulation, or any rule of "appropriate prepare" in the coverage marketplace. some rules does not pay out for a vehicle in any respect. it somewhat is why Tesco are greater fee-effective than the others, you're taking the prospect you will not choose a hire vehicle for better than 2 weeks. as this is extremely not likely that the type severe twist of destiny this is occurred to you happens.

Answer 6

Yes, you can claim it, but the cause of the filre (for example if a certain wire caused the fire) will not be covered under the claim.

Answer 7

Unless your boyfriend set the car on fire on purpose your comp. should cover all costs above the ded. amount EXCEPT the cause of the fire, i.e; leaking fuel line, faulty wiring, etc.

Answer 8

Only if ur boyfriend has a valid driving license u can claim on insurance.

Answer 9

yes, although it does depend on why it caught fire! things like electrical faluts may not be covered.

Answer 10

It shouldn't be a problem, but as others have said, a lot of times the ins company has way too much say in what happens. one thing i would do, is say that i was driving, rather than someone else. it shouldn't change anything either way, but it will most likely make your claim go thru easier.