#1: electrical melt Author: cookiemonster, Location: In front of youPosted: Tue Nov 23, 2010 11:17 am ---- last week when driving there was a crackling noise from under the steering wheel from the fusebox within seconds the car was filled with smoke
jumped out and phoned breakdown service was towed home battery was disconnected for safety and advised to contact insurance co.
the car is a pug 206 xsi on a 2001 plate
insurance finally agreed to come n get the car assessed and then since the car has now been taken to a garage as I was told it had to have an electrical diagnostics and check to establish cause of the melted fuses/wires
question is I have phoned the garage today enquiring what is happening to be told that the car could be a write off
so what happens now ? I have never had to deal with insurance in this capacity before and unsure of where I stand
I have a £200 excess on insurance and was informed if a claim went through I would lose 2 years
#2: Re: electrical melt Author: imjeeves, Location: Glasgow / WellingPosted: Tue Nov 23, 2010 11:48 am ---- Well if it was smoking it may have damaged some of the wiring in the car. I would not have though it would write the car off.
If the insurance company want to write the car off then there isnt much you can do. I would get the car fixed myself and not go through the insurance co as it doesnt sound like too much work to fix. New loom at the worst case.
If they do write the car off then they will give you the value of the car at the present time. So when u said in you insurance renewal its worth £2000 try knocking a few hundred off and that is what u will get for it. Unfortunatly you will loose you no claims bonus if you go down that route.
#3: Re: electrical melt Author: cookiemonster, Location: In front of youPosted: Tue Nov 23, 2010 11:51 am ---- I paid £1800 for the car and the insurance doc states its insured for £1500 but as stated I havent dealt with ins co before so what do they charge me for ?? ie the garage assessing and storing ??? had a look in Parkers and the xsi on my year book price £1900
#4: Re: electrical melt Author: st3v3n, Location: Liverpool Drives: 206 GTiPosted: Tue Nov 23, 2010 12:02 pm ---- They will offer you about a grand for it tbh. They tried this with me. If you do go down the claim route and they offer you silly money, refuse it and then find examples of prices similar cars are going for. show them this and tell them to stop taking the p**s. I did this and got another cheque with a reasonable amount the next time.
It may work out cheaper in the long run to tell the insurance you don't want to claim and get your self a loom off ebay and fit that yourself. Big job, but it can be done over a weekend.
#5: Re: electrical melt Author: cookiemonster, Location: In front of youPosted: Tue Nov 23, 2010 12:04 pm ---- thank u st3v3n
#6: Re: electrical melt Author: NorthantsBen, Location: Raunds, NorthamptonshirePosted: Tue Nov 23, 2010 12:14 pm ---- I would be thinking why the wires failed also? Somthing has caused them to get hot and melt,
#7: Re: electrical melt Author: cookiemonster, Location: In front of youPosted: Tue Nov 23, 2010 12:16 pm ---- may be totally unrelated but only had the car about 6mnths and the alarm is so sensitive that its forever going off so i just used to central lock the car n leave alarm off
#8: Re: electrical melt Author: Seabook, Posted: Tue Nov 23, 2010 1:10 pm ---- did you got any non-standard electrical apps. in your car?
#9: Re: electrical melt Author: cookiemonster, Location: In front of youPosted: Tue Nov 23, 2010 1:11 pm ---- nope the car is absolutely standard I have not touched it at all
#10: Re: electrical melt Author: elcamino, Location: home!Posted: Tue Nov 23, 2010 11:38 pm ---- Was it raining or had the engine washed recently?
#11: Re: electrical melt Author: cookiemonster, Location: In front of youPosted: Wed Nov 24, 2010 2:01 am ---- no it was dry but cold and never washed an engine - insurance co get the report today will post when i get some more information
#12: Re: electrical melt Author: elcamino, Location: home!Posted: Wed Nov 24, 2010 7:06 am ---- Can you specify which loom s melted?(trace it to know it goes to which plug of BSI )
#13: Re: electrical melt Author: cookiemonster, Location: In front of youPosted: Sun Dec 12, 2010 4:43 am ---- UPDATE:
Car had been taken to a garage in York from the insurance company, they had it for 2 weeks then decided to tell me that the garage does not deal with electrical problems its a right farce I've been chasing the insurance co up every couple days to find out what the heck going on with my car anyway they told me that I had to arrange myself to get my car back from the garage in York ( I live in Manchester) and take it to my nearest pug dealer to be looked at at all at my expense, so I basically told them to just bring my car back home I will sort myself GRRRRRRRR. The garage who had my car phoned me and offered me £200 for the car hahaha what a joke.
Car now home so with nothing to lose the hubby and bro in law decided to have a look at it themselves and we found the fuse that had fired had just melted no other damage to surrounding area and it was the fuse for the left rear brake and additional brake that had gone.
So pulled the additional brake light out to check it and found bare wires that had been touching a screw so that was the problem so sorted the wiring and insulated that , changed the fuse and HEY PRESTO one working Pug again
#14: Re: electrical melt Author: Bigbenj_08, Location: CardiffPosted: Sun Dec 12, 2010 4:46 am ---- Who the hell is your insurance company? remind me to never go with them, thats ridiculous!
#15: Re: electrical melt Author: cookiemonster, Location: In front of youPosted: Sun Dec 12, 2010 4:50 am ---- kwik fit insurance with underwriters being royal sun alliance !!
#16: Re: electrical melt Author: Harry, Location: StaffordPosted: Sun Dec 12, 2010 4:51 am ---- Was thinking when I saw this thread I wouldn't have even considered going through insurance until I knew 100% what the fault was and is it possible to fix yourself as it sounded as it may have not been too bad.
Glad you got it sorted, would have been stupid to write a car off due to that and what a shi** insurance company.
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