Left ORVM Damaged - Replacement? - Team-BHP

remcy007 · 17th March 2008, 14:33

Yesterday a truck brushed my Swift's Left ORVM because of which the cover on the outer side of the mirror came off but no damage is done to the mirror.
I checked with Spectra(Malad) and they say that I will have to change the whole ORVM which will cost 1.5K and insurance cannot be claimed.
Can someone suggest where can i get the left side cover of the ORVM.

Zappo · 17th March 2008, 15:30

Is the cover completely broken? Like in pieces? If not, a jugad thing is to use a superglue and put it back on. We did it on a friend's Swift.

An alternate option is to check the freindly, neighborhood spare parts and accessories dealers. You will get the gray market stuff for half the price if you can land one. It works very well and does not cost much.

remcy007 · 17th March 2008, 15:47

Thanks for the reply..
When it came off I was on the highway, so i didnt bother to get down and pick it up as it was already into pieces..
I will try and see if I could get this from some local dealer..
BTW.. Is this covered under insurance ???

manikjeet · 17th March 2008, 15:58

Quote:

Originally Posted by remcy007

BTW.. Is this covered under insurance ???

even if its covered under insurance you will only get 50% if the car is less than a year old

so no need to bother with claiming insurance

i would suggest a grey market one would cost around rs700

Zappo · 17th March 2008, 16:19

tell me something... why are you so steadfast on that insurance thing?

its not worth it mate. even if the insurance co. agrees to play the game they will not pay more than 50% (plastic+glass). so we are already looking at something like 750 rupees only. on top of that most insurance cos. have a special charge (some call it access charge, others processing cost etc) which amounts to around 500 rupees for each claim. so? you are bothered about the 250 rupees? and you know what? you will loose all your accumulated NCB. so even if it is a new car (1st year) even then the next year's NCB amount of almost 2000-2500 will just go flying out of the window.

In summary - do not even bother about the insurance coverage for this breakage. go to an accessory shop and enquire the price. you will get it much cheaper that way.

remcy007 · 17th March 2008, 16:41

I am not certainly not going to claim insurance for this but my question was is this covered or not??
Spectra is saying its not covered but I think its covered.

Technocrat · 17th March 2008, 17:05

I think this should be covered but being a plastic parts you would get only 50% & since the cost is less for a claim with respect to the hassle the *** guys would have to do he must have said that its no covered.

remcy007 · 17th March 2008, 17:38

Quote:

Originally Posted by Technocrat

I think this should be covered but being a plastic parts you would get only 50% & since the cost is less for a claim with respect to the hassle the *** guys would have to do he must have said that its no covered.

hmm.. thats what I was thinking...
nways.. Thanks to all for replying!!

simplythebest · 18th March 2008, 08:45

Quote:

Originally Posted by remcy007

I am not certainly not going to claim insurance for this but my question was is this covered or not??
Spectra is saying its not covered but I think its covered.

Plus, I'm giessing you would have to report it as an accident.

Will he need an FIR for the insurance claim?

amitwiz1 · 18th March 2008, 10:01

^ Sir ! A Truck has just broken my ORVM while driving !!! :( Please send in your special forces.

Nothing major, no FIR needed. Had my ORVM's hit many times in&out of the car. Mostly used glue, and twice got them from local shops. And as Zappo already mentioned, you lose precious NCB for a stupid 1k claim.

shuvc · 18th March 2008, 14:20

Insurance should cover it.

I've noticed at least 3-4 Swifts at workshops with the back cover of the ORVM broken. All of them had 'Slovakia' written on the inside cover. Are Swift ORVMS manufactured in Slovakia?

bblost · 18th March 2008, 14:25

Yes am sure that insurance will cover it.

Here is why you don't want to do it
http://www.team-bhp.com/forum/buying...-premiums.html (ARTICLE: No Claim Bonus - How to save on your insurance premiums!)

kaushik_s · 19th March 2008, 17:55

ORVM's are covered only 50% of the total cost as they are plastic parts.Have gone through it so I can say for surely.But it doesn't worth to claim just for the ORVM as the price is only 1.5k and your refund would be 750Rs and then after paying the processing charge of approx. 700 Rs you are left with only 50Rs and without NCB.

17th March 2008, 14:33	#1 (permalink)
remcy007 BHPian Join Date: Aug 2006 Location: Mumbai Posts: 26	Left ORVM Damaged - Replacement? Yesterday a truck brushed my Swift's Left ORVM because of which the cover on the outer side of the mirror came off but no damage is done to the mirror. I checked with Spectra(Malad) and they say that I will have to change the whole ORVM which will cost 1.5K and insurance cannot be claimed. Can someone suggest where can i get the left side cover of the ORVM.

17th March 2008, 15:30	#2 (permalink)
Zappo Team-BHP Support Join Date: Oct 2005 Location: Hyderabad Posts: 3,938	Is the cover completely broken? Like in pieces? If not, a jugad thing is to use a superglue and put it back on. We did it on a friend's Swift. An alternate option is to check the freindly, neighborhood spare parts and accessories dealers. You will get the gray market stuff for half the price if you can land one. It works very well and does not cost much. __________________ Pitstop - Just for the Senior BHPians So you have questions about the board but do not know whom to ask. Why not ask us? Check out the rules of the engagement here.

17th March 2008, 15:47	#3 (permalink)
remcy007 BHPian Join Date: Aug 2006 Location: Mumbai Posts: 26	Thanks for the reply.. When it came off I was on the highway, so i didnt bother to get down and pick it up as it was already into pieces.. I will try and see if I could get this from some local dealer.. BTW.. Is this covered under insurance ??? Last edited by remcy007 : 17th March 2008 at 15:52.

17th March 2008, 16:19	#5 (permalink)
Zappo Team-BHP Support Join Date: Oct 2005 Location: Hyderabad Posts: 3,938	tell me something... why are you so steadfast on that insurance thing? its not worth it mate. even if the insurance co. agrees to play the game they will not pay more than 50% (plastic+glass). so we are already looking at something like 750 rupees only. on top of that most insurance cos. have a special charge (some call it access charge, others processing cost etc) which amounts to around 500 rupees for each claim. so? you are bothered about the 250 rupees? and you know what? you will loose all your accumulated NCB. so even if it is a new car (1st year) even then the next year's NCB amount of almost 2000-2500 will just go flying out of the window. In summary - do not even bother about the insurance coverage for this breakage. go to an accessory shop and enquire the price. you will get it much cheaper that way. __________________ Pitstop - Just for the Senior BHPians So you have questions about the board but do not know whom to ask. Why not ask us? Check out the rules of the engagement here.

17th March 2008, 17:05	#7 (permalink)
Technocrat Team-BHP Support Join Date: Feb 2004 Location: Pune Posts: 8,894 View My Garage	I think this should be covered but being a plastic parts you would get only 50% & since the cost is less for a claim with respect to the hassle the * guys would have to do he must have said that its no covered. __________________ The Holy Trinity: Traction, Torque and Tarmac**

17th March 2008, 16:41	#6 (permalink)
remcy007 BHPian Join Date: Aug 2006 Location: Mumbai Posts: 26	I am not certainly not going to claim insurance for this but my question was is this covered or not?? Spectra is saying its not covered but I think its covered.

18th March 2008, 10:01	#10 (permalink)
amitwiz1 BHPian Join Date: Aug 2007 Location: Chennai Posts: 127	^ Sir ! A Truck has just broken my ORVM while driving !!! :( Please send in your special forces. Nothing major, no FIR needed. Had my ORVM's hit many times in&out of the car. Mostly used glue, and twice got them from local shops. And as Zappo already mentioned, you lose precious NCB for a stupid 1k claim.

18th March 2008, 14:20	#11 (permalink)
shuvc Senior - BHPian Join Date: May 2005 Location: Kolkata Posts: 2,027 View My Garage	Insurance should cover it. I've noticed at least 3-4 Swifts at workshops with the back cover of the ORVM broken. All of them had 'Slovakia' written on the inside cover. Are Swift ORVMS manufactured in Slovakia? __________________ PIGZILNKILJBSCOMB

18th March 2008, 14:25	#12 (permalink)
bblost Team-BHP Support Join Date: Jul 2007 Location: Hyderabad Posts: 2,262 View My Garage	Yes am sure that insurance will cover it. Here is why you don't want to do it http://www.team-bhp.com/forum/buying...-premiums.html (ARTICLE: No Claim Bonus - How to save on your insurance premiums!) __________________ At 20 I started smoking to be a non-conformist. At 30 I quit because it made me a conformist. QUIT SMOKING. Before its KILLS you.

19th March 2008, 17:55	#13 (permalink)
kaushik_s BHPian Join Date: Sep 2006 Location: Bangalore Posts: 606	ORVM's are covered only 50% of the total cost as they are plastic parts.Have gone through it so I can say for surely.But it doesn't worth to claim just for the ORVM as the price is only 1.5k and your refund would be 750Rs and then after paying the processing charge of approx. 700 Rs you are left with only 50Rs and without NCB.

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