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Thread: signum + ice = fail

  1. #1
    Regular Member elite lee's Avatar
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    Default signum + ice = fail

    as per the title had an incident in the ice today.
    going to work this morning at 5.30, 6mph, car slipped on ice and i basicaly hit the grass verge at the side of the road.
    damage is the bumper has been pushed back a little and buckled the arch liner, my irmy splitter is snapped and i have developed a wobble on the front wheels.
    insurance company are now on the case, and the courtesy car arrives tomorrow, fully comp insurance with claims protection so all is good on that front.
    what i want to know is (as i have NEVER claimed on insurance ), my car had the splitter fitted as standard, will this be replaced.
    and are insurance work garages any good.
    totaly gutted about my car as its my pride and joy, just want it back as it was.

    cheers in advance for any advice

  2. #2
    Ex-Staff Full Member John LE's Avatar
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    Vehicle : Facelift Insignia/Corsa D

    Trim : LE/VXR

    Engine : 2.0 cdti/1.6 Turbo

    Year : 13/07

    Default

    No Vectras/Signums had irmscher splitters fitted as standard. Some of the signums were offered with the kit as a no cost option but it wasn't fitted by Vx it was fitted by the dealer.

    Did you declare the Irmy stuff to your insurer?

  3. #3
    Regular Member bangty 1's Avatar
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    Default

    um would say so m8 it should come as you had it. if ent sent back and say ent right they should replace all frount end part wishbones that sort thing come back like new car m8. gutted for you poor signum

  4. #4
    Regular Member big rich's Avatar
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    Vehicle : Vectra gsi

    Trim : Full heated leather

    Engine : 3200

    Year : 2004

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    i would start worring about the undeclared mod if i was you, any chance to not pay out an they wont.

  5. #5
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    Default

    I'm no expert but I don't think the insurance could get away with refusing to pay because a splitter has been fitted. I would be on to the Ombudsman quicker than quick if they did. I think the worse case is them not replacing the splitter. No need to worry the lad, he's had a bad enough day!

    Gutted for you mate, a few years ago I had my 1st brand new car, a Ka and someone pranged it after a few months. I was devastated but it came back from the repairers good as new.

    Hope it gets sorted for you.

  6. #6
    Ex-Staff Full Member John LE's Avatar
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    Vehicle : Facelift Insignia/Corsa D

    Trim : LE/VXR

    Engine : 2.0 cdti/1.6 Turbo

    Year : 13/07

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    Quote Originally Posted by fastbatard View Post
    I'm no expert but I don't think the insurance could get away with refusing to pay because a splitter has been fitted. I would be on to the Ombudsman quicker than quick if they did. I think the worse case is them not replacing the splitter. No need to worry the lad, he's had a bad enough day!

    Gutted for you mate, a few years ago I had my 1st brand new car, a Ka and someone pranged it after a few months. I was devastated but it came back from the repairers good as new.

    Hope it gets sorted for you.
    Why should the insurance pay out if they didn't know what they were insuring.

    If the insurance think they are insuring a standard signum and you've paid a premium for a standard signum then why should they pay out 300 odd quid for an irmscher splitter that you've not told them about?

  7. #7
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    Default

    Quote Originally Posted by fastbatard View Post
    I think the worse case is them not replacing the splitter.
    Like I said

  8. #8
    Admin & Merchandise Manager bigmac's Avatar
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    Vehicle : insignia

    Trim : irmscher

    Engine : 2.0 cdti

    Year : 2009

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    Quote Originally Posted by fastbatard View Post
    Like I said
    Wrong worse case is them cancelling insurance because of undeclared mod, Why do you think there's special insurance company's that deal with Mods ? I have to declare everything even a grille, reason being it will cost the insurance company more to repair than a standard veccy and also it's more desirable to the criminal minded car theif.

    Irmscher Insignia CDTI 130

    MOD'S...Irmscher front spoiler, Irmscher mats, Irmscher door pins, Irmscher rear spoiler, Irmscher grille, Irmscher skirt & exhausts,Irmscher Roof spoiler MOD'S TO COME..Side skirts,Wheels

  9. #9
    Ex-Staff Full Member John LE's Avatar
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    Vehicle : Facelift Insignia/Corsa D

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    Engine : 2.0 cdti/1.6 Turbo

    Year : 13/07

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    The insurance could cancel the insurance, they could pursue you for the balance of premium that you would have paid had you declared the mods, they may just repair the car and say nothing but as the rest of the car is modded they may point blank refuse.

    If the op has a wheel wobble one of the non standard irmy wheels may be bent, meaning if they do fix it they will only replace the wheel with a standard non irmscher one if they replace it at all.

  10. #10
    Admin & Merchandise Manager bigmac's Avatar
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    Vehicle : insignia

    Trim : irmscher

    Engine : 2.0 cdti

    Year : 2009

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    And it depends on what asseser says or repair garage as they might inform insurance or you might be fine and they just repair

    Irmscher Insignia CDTI 130

    MOD'S...Irmscher front spoiler, Irmscher mats, Irmscher door pins, Irmscher rear spoiler, Irmscher grille, Irmscher skirt & exhausts,Irmscher Roof spoiler MOD'S TO COME..Side skirts,Wheels

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