DHA Posted February 11, 2011 Report Share Posted February 11, 2011 What we will not pay forwarranty costs, fuel, paintwork and fabric protection applications How does the above read to you? I.e. what do you think is not covered reading the above line? Link to comment Share on other sites More sharing options...
shao_khan Posted February 11, 2011 Report Share Posted February 11, 2011 I'd assume that it doesnt cover any warrenty you have paid for (i.e. Audis 4th & 5th year cover), and fuel in a vehicle and anything like supaguard. Link to comment Share on other sites More sharing options...
Scotty Posted February 11, 2011 Report Share Posted February 11, 2011 Warranty - does that mean things already covered under warranty i.e. this is for accidents and not normal failures Fuel - unsure Paintwork - that one worries me !! Fabirc protection - I guess is means if it's treated then they'd only replace with the original seat etc and not have it treated. :confused: Link to comment Share on other sites More sharing options...
Mook Posted February 11, 2011 Report Share Posted February 11, 2011 I presume this relates to the 135. warranty costs - The cost of any additional warranty you've taken out over and above what's included as standard fuel - goes without saying paintwork and fabric protection applications - supagard and fabricgard spring to mind. Also understandable. Link to comment Share on other sites More sharing options...
Drinks Posted February 11, 2011 Report Share Posted February 11, 2011 I presume this relates to the 135.warranty costs - The cost of any additional warranty you've taken out over and above what's included as standard fuel - goes without saying paintwork and fabric protection applications - supagard and fabricgard spring to mind. Also understandable. I read it exactly the same as Mook Link to comment Share on other sites More sharing options...
Scotty Posted February 11, 2011 Report Share Posted February 11, 2011 Makes more sense than my initial glance. Link to comment Share on other sites More sharing options...
DHA Posted February 11, 2011 Author Report Share Posted February 11, 2011 Yep I read it as one, "Paintwork and fabric protection" meaning the superguard type products. However BMW Gap insurance actually mean Paintwork. And Fabric protection. So will not payout for Metallic paint on the gap insurance. (not paying for the service pack and the fuel I can understand). Called them this morning to question this, seems this is the third version of the wording in their policy and "I am not the first person" to query this when a claim is made. When I mentioned the FSA the woman on the phone got a little nervous and asked I write to BMW Gap first to complain....... Not happy Link to comment Share on other sites More sharing options...
Scotty Posted February 11, 2011 Report Share Posted February 11, 2011 I think they may have interpreted the same way I did to start. On second reading I'm sure you guys are correct. I'd take it up a level. Link to comment Share on other sites More sharing options...
Mook Posted February 11, 2011 Report Share Posted February 11, 2011 How much extra was the metallic? And what a bunch of muppets. Not as if it's not a BMW related product! Link to comment Share on other sites More sharing options...
Booster Posted February 11, 2011 Report Share Posted February 11, 2011 That is ridiculous. Link to comment Share on other sites More sharing options...
Drinks Posted February 11, 2011 Report Share Posted February 11, 2011 Numpties, clearly it relates to supaguard etc. as a dealer add-on service that wouldn't be covered. Metallic paint is a standard option much the same as cruise control or heated seats. Link to comment Share on other sites More sharing options...
shao_khan Posted February 11, 2011 Report Share Posted February 11, 2011 Yep I read it as one, "Paintwork and fabric protection" meaning the superguard type products.However BMW Gap insurance actually mean Paintwork. And Fabric protection. Well thats clearly misleading as I think 99% of reasonably savy individuals would expect without the full stop or other punctuation after Paintwork that it relates to protection of the paintwork as there is nothign to differentiate that from fabric protection. Given dealers try to ram paintwork protection down your throat anyone reading it would assume that it relates to supaguard and I'd have thought you hae a good case. Link to comment Share on other sites More sharing options...
Milo Posted February 11, 2011 Report Share Posted February 11, 2011 There's no way that would stand up. How can they reasonably expect to exclude paintwork? If they meant that they excluded the cost of metallic/pearl paint then it should explicitly state that. DHA - I would give them 1 chance to put things right. If they don't, tell them you're disputing it and will be contacting the Financial Ombudsman - how to complain? The first steps to start a grievance and also the FSA as you believe the policy wording is deliberately misleading. My guess is they would back down, even if it's the "gesture of goodwill" guff they all spout. I would then contact the FO and FSA anyway. Link to comment Share on other sites More sharing options...
DHA Posted February 11, 2011 Author Report Share Posted February 11, 2011 Cant recall the cost off hand but it was at least £500 if not a bit more. I will give them one chance to right this as you say Milo then it is the FSA. I don't even think you can get the interior protection on it's own as you usually have to buy that with the exterior stuff. Clearly trying it on. Link to comment Share on other sites More sharing options...
patently Posted February 12, 2011 Report Share Posted February 12, 2011 I'm in agreement with everyone else here, that they are talking about paintwork protection treatments and fabric protection treatments. It also conflicts with what every BMW salesman told me about GAP insurance (in relation to three consecutive cars), that you just send them the original invoice for the car and the number at the bottom of it is what you get paid in total. No mention of some options not being covered, no mention of "except the paint of course", nothing. What you paid for the car, less what your insurer is giving you, is what the GAP insurance pays out. Full stop. I can remember this clearly, because it was so simple. You pay for the car, if you lose it you get your money back. Link to comment Share on other sites More sharing options...
Insurance Jon Posted February 13, 2011 Report Share Posted February 13, 2011 I do this for a living and I would interpret it the same way everyone else has. what you need to do is: 1. follow the gap insurances complaints mechanism 2. if the don't resolve it escalate it to the financial ombudsman Please note given the low amount, and the fact that the FoS will charge them £250 to handle the complaint (win lose or draw they have to foot the bill), Im sure it will be resolved before that is needed. Also note that there is a rule in insurances which states that "any vague policy wordings must be interpretted in the favour of the policyholder, not the insurer" Link to comment Share on other sites More sharing options...
patently Posted February 13, 2011 Report Share Posted February 13, 2011 Also note that there is a rule in insurances which states that "any vague policy wordings must be interpretted in the favour of the policyholder, not the insurer" Ooh, that is useful to know. Thanks Link to comment Share on other sites More sharing options...
DHA Posted February 13, 2011 Author Report Share Posted February 13, 2011 Cheers Jon will follow that route. Link to comment Share on other sites More sharing options...
DHA Posted February 14, 2011 Author Report Share Posted February 14, 2011 In advance of me sending a letter today BMW have just called. My interpretation of the policy wording was correct. I did ask had I not questioned the deduction would the money have been paid out, strangely they couldn't answer that one........ Link to comment Share on other sites More sharing options...
theduisbergkid Posted February 14, 2011 Report Share Posted February 14, 2011 Good to hear that common sense has prevailed. Link to comment Share on other sites More sharing options...
Tipex Posted February 14, 2011 Report Share Posted February 14, 2011 Someone at BMW insurance is obviously reading TSN Link to comment Share on other sites More sharing options...
Insurance Jon Posted February 15, 2011 Report Share Posted February 15, 2011 should see how fast the respond to twitter Link to comment Share on other sites More sharing options...
shao_khan Posted February 16, 2011 Report Share Posted February 16, 2011 Now if this had been in anyway implicating incompetence on the part of VAG then you're letter would probably been one of "Remove your defamatory remarks or we'll sue"...... Link to comment Share on other sites More sharing options...
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