Disco 3 (LR3) Could these issues be due to being rear ended?

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Hi @Hippo would you believe i still do not have my car back!!
Apologies for not updating earlier but i had to get my sanity back :mad::mad:

Basically i was told by the CMC (claim management company) appointed by AXA the 3rd party insurers that they couldn’t get my car booked in for LR diagnostics before the end of March so because they weren’t prepared to keep me ‘on hire’ for that time they had decided the best option was to return the car with the 1k offered for me to book in with LR myself...”its up to me to prove any gearbox damage “ I WAS FUMING... told them absolutely not, there was no way i was accepting the car back without the repairs done, since there was 2 wks before the LR booking i suggested they get on with the non disputed repairs and seek an earlier appointment with another LR dealers in the meantime....I would in the meantime be drafting my complaint for AXA directly since they worked for and ultimately represented AXA.
NO NEWS IS GOOD NEWS i thought after 2 weeks had passed...WRONG.

Car hire firm phoned to tell me that since they’d received an update that my car had now been repaired they were collecting the hire car later that afternoon...oh :eek: thats news to me i said...the garage is still waiting for permission from the insurers was my last text!
Once again i had murders with the CMC they told me since my car was drivable and their decision to offer 1k for me to carry out my own repair was fair they were returning my car WITHOUT ANY REPAIRS
I told them i was raising an official complaint :mad::mad:
The hire car was collected that afternoon and i was then left ‘high and dry!!

Within 3 days my very lengthy and detailed complaint was answered by AXA insurance who were in disbelief at the way i’d been treated and by the fact ( as i pointed out..thanks to the advice of a member here ) they were prepared to commit a criminal offence and put me in danger by driving back ( and expecting me to drive) a potentially dangerous vehicle.

The red carpet was indeed rolled out with the swift delivery of a RR sport autobiography (with all excess fees and charges paid ) and a promise that my car would be escalated to full repair and LR diagnostics testing and any further repair to ensure my car was ‘as good as new’ since they were more than satisfied that the LR documentation i provided on the condition, age and time of ownership etc along with the distress caused warranted this.

Due to the Covid-19 crisis AXA informed me that LR are now closed so there is no indication how long it will be before i get my car back but i’m still with the RR....

This whole nightmare has now cost an extortionate amount because of the behaviour of the CMC and on behalf of all drivers i will be seeking clarification that the cost is borne by the CMC and not the insured driver.

Hope everybody is Safe & Well and continues to be so :)
 
  • @RangeRoller dt although i’ve grown to love it for all its luxurious features, where i live they are sported by and are the car of choice for drug dealers :( i wish it was just looks of admiration i was receiving but a couple of side by side intentional catch ups from the police leaves me unsettled at the assumptions...i really do just want my car back
 
Please Help...again
Hi guys & girls i’m happy to say i finally got my car back on Friday and all seems well ;)
I now have an issue with my own insurance cover.... i phoned to advise of its return and to check i was covered for carrying passengers since the bench seat had never previously been used but now would be and i’m told that since its a 2 seater on the log book and the bench is a modification they wont cover me and are therefore cancelling my cover :eek::eek:
Does anyone know how i get cover in this scenario? surely my vehicle isn’t the only one with a seat conversion etc so there must be a process i’m unaware of? do i need to advise DVLA of the bench addition etc? Any help very much appreciated
 
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Bench seat in a D3?

Do you mean it was origionally a 2 seater only, (commercial type?) with just two front seats fitted, and you have added 3 seats like most D3's have which form the back row and used by getting in the side doors only?
 
LandyLover 3 said:
Please Help...again
Hi guys & girls i’m happy to say i finally got my car back on Friday and all seems well ;)
I now have an issue with my own insurance cover.... i phoned to advise of its return and to check i was covered for carrying passengers since the bench seat had never previously been used but now would be and i’m told that since its a 2 seater on the log book and the bench is a modification they wont cover me and are therefore cancelling my cover :eek::eek:
Does anyone know how i get cover in this scenario? surely my vehicle isn’t the only one with a seat conversion etc so there must be a process i’m unaware of? do i need to advise DVLA of the bench addition etc? Any help very much appreciated
Click to expand...

hiya

good to see u got it sorted out

so assume urs was formerly a commercial , as you’ve added the middle row and seat belts etc I’m pretty sure u can change it by filling out the details in ur V5 and changing it to 5 x seats

Plus airbags should already be there as the front curtain airbag runs from the A pillar and to the second row

have u got any pics please of the interior and what you’ve done

many thks
 
Hippo said:
Bench seat in a D3?

Do you mean it was origionally a 2 seater only, (commercial type?) with just two front seats fitted, and you have added 3 seats like most D3's have which form the back row and used by getting in the side doors only?
Click to expand...
Hi @Hippo yes but i bought it with the added bench seat and have a document stating it was fitted to LR spec etc...didn’t realise the issues i’m now facing...
 
Hippo said:
It may just be one perticular insurance company which is unhappy abou it. Try some others and get the log book updated as said above.
Click to expand...
Thanks @Hippo and @gstuart i’m currently trying to get a quote below £1600 :eek::eek: i’ve checked on the DVLA and it appears the modification doesn’t need to be registered but i can see how it may be advantageous if its possible to do so...thanks for the advice
 
Does the log book say 2 or 5 seats?
I don't know if the commercial D3 is named differently to a normal 5 seater D3 on ths log book.
Insurance companies will go with whats on their system.

Has the insurance done all the fixes including the auto problems?
 
You should already have modified insurance from looks of your vehicle. Can’t blame them for saying you didn’t declare and cancelling.

You will need modified insurance anyway so either keep trying for modified quotes off other insurers and get your documents updated

Or

Revert to standard.
 
Hippo said:
Does the log book say 2 or 5 seats?
I don't know if the commercial D3 is named differently to a normal 5 seater D3 on ths log book.
Insurance companies will go with whats on their system.

Has the insurance done all the fixes including the auto problems?
Click to expand...
@Hippo the log book says 2 seats and i told the insurers about the bench at the time i bought it (because i couldn’t get renewal on regular car insurance they said it was classified as commercial so would need van insurance) insured with a different insurer and told them too...now they say its a modification they don’t cover after taking £600 in premiums?
Just got cover at £1400 and eyes are still watering :(:( but on the plus side it seems all the issues from the 3rd party claim are now sorted...the LR diagnostics state the battery is responsible for many of the warnings...under guarantee so again hopefully will get sorted if it starts again :)
 
£1400 :eek:
I rang around for weeks getting £1800 quotes.....thought try one more... £750 with 12 mods. Keep trying, if you find a better quote then swap

I’m not sure of your vehicle particulars but standard battery on my old RR isn’t strong enough so uprated to one off a lorry solved most the electrical issues.
Perhaps is possible to fit larger one for yours? Gstuart would know
 
LandyLover 3 said:
Hi @Hippo yes but i bought it with the added bench seat and have a document stating it was fitted to LR spec etc...didn’t realise the issues i’m now facing...
Click to expand...
You could try asking the insurance company what they want to see before they will insure it. If a LR garage or engineer is prepared to say that it is only modified to the spec of a normal 5 seater then surely they ought to look at insuring it as a 5 seater.
Some companies are real dickheads about all this. Having insured kit cars for years I am aware thet there are some very good specialist insurers who do not charge the earth. You can find their details in mags like LRM. Was with the NFU for ages until they also got silly.
Also I always go for limited mileage which drops it a bit, plus increasing the loading just a little bit may help, but you probably already know this.
Best of luck!
 
Stanleysteamer said:
You could try asking the insurance company what they want to see before they will insure it. If a LR garage or engineer is prepared to say that it is only modified to the spec of a normal 5 seater then surely they ought to look at insuring it as a 5 seater.
Some companies are real dickheads about all this. Having insured kit cars for years I am aware thet there are some very good specialist insurers who do not charge the earth. You can find their details in mags like LRM. Was with the NFU for ages until they also got silly.
Also I always go for limited mileage which drops it a bit, plus increasing the loading just a little bit may help, but you probably already know this.
Best of luck!
Click to expand...
Just realised you said you already had a document saying it was fitted to LR spec.
In that case I'd deffo get it changed on the V5 then just look for insurance for a 5 seater, but if it has other mods then you still need to follow advcie already given on here!
 
Yer may be able ter cancel yer insurance and get a near full refund if yer can find an alternative cheaper. Check the agreement and if so, keep looking for cheaper. Where does @gstuart insure his? He's added lots of stuff.
 
Hippo said:
Yer may be able ter cancel yer insurance and get a near full refund if yer can find an alternative cheaper. Check the agreement and if so, keep looking for cheaper. Where does @gstuart insure his? He's added lots of stuff.
Click to expand...
@Hippo If only this was so easy...i was all afternoon on Mon.getting the £1448 policy after ridiculously high 2-3k quotes and now....
drum roll please..
TODAY THEY WANT ANOTHER £384 :mad::mad::mad: WHY? YOU’LL LOVE THIS 1....
BROKER... “ The price quoted through the comparison site was based on the vehicle having 2 seats”
ME.. No its based on 2 seats (as per log book and Vehicle reg look up) and the bench seat mod. as well as other listed modifications
BROKER... No the total seats are incorrect... you should have answered the vehicle has 5 seats and then selected the addition of the bench seat under modifications
ME... Seriously??? you’re suggesting i should have claimed the vehicle is a 5 seat vehicle despite the ‘look up’ defaulting to 2 seats and then add the bench? Apart from being completely untrue it would suggest a total of 8 seats!!
Broker... Well because the vehicle is specified as 2 seats it attracts a higher premium for the extra seats
Me.... Yes i’m well aware of that since i’ve just shelled out £1450 quid on the premium to include the extra seats
Broker...Yes but you haven’t included the extra seats
Me... I have the Policy document on screen now and it clearly shows 2 seat vehicle in 1st section and under modifications it shows “additional seats” in the list...how can you claim the policy was generated without allowance for the additional seats?
Broker...Yes but it doesn’t specify how many seats for all we know it could be 1 extra seat
Me...By the very definition of a bench seat in a commercial is how you know its not gonna be 1 and besides you’ve just contradicted the fact stated earlier that no other seats were accounted for when generating the premium!! I’ve answered all the questions raised today honesty and as stated online in order for you to validate the insurance and you’ve no real grounds to invalidate it. Seems to me you’re just trying to extract more money from me unfairly and i’m not accepting it..i’m disputing it and will take it forward to the FCA and wish to lodge formal complaint with your superior...
Broker...I’ll take advice from the insurers underwriters to seek the validity of the policy and get the complaints department to to call you..
Me... I’m not waiting on a phone call i want something in writing to confirm i’m still covered pending enquiry/complaint
I’m still waiting for the email of documentation and still have a potentially invalid policy...

How on earth do these people get away with such tactics and holding me to ransom when all is declared????

Ps @Stanleysteamer to add insult to injury i only ever have 4000 miles cover since i live above my business and don’t get many opportunities to have a run out :(:(
 
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