Go Back   Team-BHP > Under the Hood > Technical Stuff


Reply
 
Thread Tools Search this Thread
Old 22nd January 2012, 08:06   #1
BHPian
 
Join Date: Dec 2011
Location: New Delhi
Posts: 141
Thanked: 70 Times
Default Question about damaged alloy wheels & insurance

Ok guys so last night was a strange one. I was outside the Emporio mall in VV and leaving on my way for Taj Man Singh. For those from Delhi this is basically one of the roads in delhi which is broad and smooth enough that you can each insane speeds. Unfortunately the false sense of bravado got the best of me. There is also a crazy U turn there with what appeared to be the last remnants of a divider - around 6 inches above the road and about a foot wide it appeared. I was in my 530 d when suddenly the darn thing appeared and I had to swerve hard right to avoid it. Only the two right side tyres went on it. I went out and checked and nothing was wrong. The body cleared it, the tyres had no damage and the alloy seemed untouched However, I started noticing some wobbling immediately afterwards.

After sending to the gurgaon workshop it appears there is a slight bend in the alloy!! Man these things are fragile.

So now the question is shouldn't my bmw secure premium package cover this? I have Bajaj Allianz insurance and I have only got a wishy washy response from the workshop so far. Sending the car tomorrow for inspection by the surveyor from the insurance company. Anyone else had an experience in this regard? The dealer is Bird automotive.

Last edited by GTO : 22nd January 2012 at 14:33.
Zkalra is offline   Reply With Quote
Old 22nd January 2012, 14:40   #2
GTO
Team-BHP Support
 
GTO's Avatar
 
Join Date: Feb 2004
Location: Bombay
Posts: 47,709
Thanked: 89,162 Times
Default re: Question about damaged alloy wheels & insurance

Don't worry about it, you are fully covered. My Merc suffered a damaged rim on the way back from Goa. The tab of 37,000 was fully picked up by the insurance company.

The only downside : You will lose any no-claim-bonus (if you are currently enjoying the benefits). I don't think BMW Secure comes into the picture here at all.
GTO is offline   (2) Thanks Reply With Quote
Old 22nd January 2012, 17:45   #3
Senior - BHPian
 
androdev's Avatar
 
Join Date: May 2007
Location: bangalore
Posts: 1,586
Thanked: 1,724 Times
Default re: Question about damaged alloy wheels & insurance

With secure everything is covered (except for tread wear in case of tire damage)

I would say you are lucky there is no under body damage given the low GC of the car.

Most of the time they never gave me a convincing explanation of why regular insurance won't cover 100% and why secure is also used to cover most claims. You will lose NCB on both btw so you might want to work the math for claiming vs not claiming.

One option is do it at ur cost and use the damaged alloy as a spare wheel by getting it repaired.
androdev is offline   Reply With Quote
Old 22nd January 2012, 17:51   #4
Distinguished - BHPian
 
Join Date: Mar 2011
Location: Back to Chndgrh
Posts: 2,202
Thanked: 2,951 Times
Default re: Question about damaged alloy wheels & insurance

I suffered something similar and got the rim Repaired in Chandigarh , there is no trace of work done by the guy and no extra weights were used for balancing . You can easily get these done locally by paying about 1-2 K .
Turbanator is online now   Reply With Quote
Old 22nd January 2012, 18:16   #5
Senior - BHPian
 
androdev's Avatar
 
Join Date: May 2007
Location: bangalore
Posts: 1,586
Thanked: 1,724 Times
Default re: Question about damaged alloy wheels & insurance

Quote:
Originally Posted by Turbanator View Post
I suffered something similar and got the rim Repaired in Chandigarh , there is no trace of work done by the guy and no extra weights were used for balancing . You can easily get these done locally by paying about 1-2 K .
Just curious, why would you get repaired if you are covered by insurance for a replacement?
androdev is offline   Reply With Quote
Old 22nd January 2012, 18:18   #6
Distinguished - BHPian
 
Join Date: Mar 2011
Location: Back to Chndgrh
Posts: 2,202
Thanked: 2,951 Times
Default re: Question about damaged alloy wheels & insurance

Quote:
Just curious, why would you get repaired if you are covered by insurance for a replacement?
just because of NCB - 50 % in my case !

Quote:
The only downside : You will lose any no-claim-bonus

Last edited by Turbanator : 22nd January 2012 at 18:32.
Turbanator is online now   Reply With Quote
Old 22nd January 2012, 19:56   #7
BHPian
 
ishlinea7260's Avatar
 
Join Date: Nov 2009
Location: Ambala
Posts: 297
Thanked: 247 Times
Default re: Question about damaged alloy wheels & insurance

Quote:
Originally Posted by Turbanator View Post
I suffered something similar and got the rim Repaired in Chandigarh , there is no trace of work done by the guy and no extra weights were used for balancing . You can easily get these done locally by paying about 1-2 K .
Hi turbanator, how exactly can the bent alloy be repaired and from where in chandigarh?
Thanks.
ishlinea7260 is offline   Reply With Quote
Old 22nd January 2012, 20:46   #8
Distinguished - BHPian
 
Join Date: Mar 2011
Location: Back to Chndgrh
Posts: 2,202
Thanked: 2,951 Times
Default re: Question about damaged alloy wheels & insurance

Quote:
how exactly can the bent alloy be repaired
I got it done from Malwa Tires , Sector 22 . Dont know how do they do this as they send rim for repairing to there workshop ( or maybe they outsource ) . They charge different prices depending on size ( or Make !) and take about 6-8 hours to return .
Turbanator is online now   Reply With Quote
Old 23rd January 2012, 00:26   #9
BHPian
 
Join Date: Dec 2011
Location: New Delhi
Posts: 141
Thanked: 70 Times
Default re: Question about damaged alloy wheels & insurance

Quote:
Originally Posted by GTO View Post
Don't worry about it, you are fully covered. My Merc suffered a damaged rim on the way back from Goa. The tab of 37,000 was fully picked up by the insurance company.

The only downside : You will lose any no-claim-bonus (if you are currently enjoying the benefits). I don't think BMW Secure comes into the picture here at all.
Thanks GTO. I think this NCB issue is a non-issue considering that the replacement of the alloy would cost me around 40k. Which pretty much is the same or just a bit lower than my NCB anyways.
Zkalra is offline   Reply With Quote
Old 29th January 2012, 01:59   #10
BHPian
 
Join Date: Dec 2011
Location: New Delhi
Posts: 141
Thanked: 70 Times
Default

Quote:
Originally Posted by GTO
Don't worry about it, you are fully covered. My Merc suffered a damaged rim on the way back from Goa. The tab of 37,000 was fully picked up by the insurance company.

The only downside : You will lose any no-claim-bonus (if you are currently enjoying the benefits). I don't think BMW Secure comes into the picture here at all.
Getting it changed tomorrow. Went thought pretty smoothly. They pretty much rolled out the red carpet. I love having competition in the marketplace - makes the customer the king!!
Zkalra is offline   Reply With Quote
Old 2nd July 2014, 20:52   #11
Newbie
 
Join Date: Mar 2014
Location: Bangalore
Posts: 8
Thanked: 7 Times
Default Replacement of dented alloys in a brand new car

So, last week while driving overnight between Cochin and Bangalore in my Audi A6, something weird happened. Apparently there were a few stones (rock actually) that had fallen of a truck lying in the road my tyres ran over it. The rear tyre got busted right away and the hit caused dent to both right alloys.

After the fun part of getting my car towed to Audi (more in this in another post), I have been in conversation with the insurance company to replace the dented alloys. I do have premium insurance package which apparently covers everything. The car is just 4 months old.

Now, the insurance company claims that they cannot replace the alloys but can only have the dent removed from else where (outside Audi). I have been arguing with them that they just cannot do anything out side what a authorized service centre does or approves.

Has anyone dealt with similar reasoning / arguments from insurance company? Would this legally hold? Would really appreciate if anyone could share similar experiences.


-Rajesh
rajeshckr is offline   Reply With Quote
Old 3rd July 2014, 08:12   #12
Senior - BHPian
 
vikram_d's Avatar
 
Join Date: Jul 2006
Location: Bangalore
Posts: 2,380
Thanked: 936 Times
Default Re: Replacement of dented alloys in a brand new car

Dent removal of alloy wheels is possible but I would not recommend it. The bent portion becomes weaker and is prone to more damage in the future. I would recommend that you insist on replacement.
vikram_d is online now   (2) Thanks Reply With Quote
Old 3rd July 2014, 09:10   #13
Senior - BHPian
 
akshay4587's Avatar
 
Join Date: Mar 2005
Location: Chandigarh/Mohali/Ambala Cantt
Posts: 3,756
Thanked: 1,553 Times
Default Re: Replacement of dented alloys in a brand new car

Push for replacement,even if you have to fight it out.
I have seen Fiat Alloys getting replaced in Insurance after getting bent.
Repairing alloys is possible but i would not recommend that in a new Car,especially A6.
akshay4587 is offline   (1) Thanks Reply With Quote
Old 3rd July 2014, 10:18   #14
Distinguished - BHPian
 
Nikhilb2008's Avatar
 
Join Date: Jul 2006
Location: Bangalore
Posts: 4,825
Thanked: 4,799 Times
Default Re: Replacement of dented alloys in a brand new car

As Vikram said, repairing alloys makes it weaker. And it can be a safety issue as well o Indian roads.

Push for a full replacement.
Nikhilb2008 is offline   Reply With Quote
Old 3rd July 2014, 11:07   #15
Senior - BHPian
 
alpha1's Avatar
 
Join Date: Apr 2007
Location: P00NA
Posts: 1,625
Thanked: 965 Times
Default Re: Replacement of dented alloys in a brand new car

Quote:
Originally Posted by rajeshckr View Post

Now, the insurance company claims that they cannot replace the alloys but can only have the dent removed from else where (outside Audi). I have been arguing with them that they just cannot do anything out side what a authorized service centre does or approves.

Has anyone dealt with similar reasoning / arguments from insurance company? Would this legally hold? Would really appreciate if anyone could share similar experiences.


-Rajesh
To be honest, this is exactly like the scene that used to happen earlier with medical insurance. The insurance company claims ICU charge should be Rs 3000, but the hospital bills Rs 6000. People used to pay the remaining difference from their pockets. I guess there was some action by PSU insurers which rationalized the hospitals pricing
(
http://www.tehelka.com/four-state-ow...ills-now-what/
http://timesofindia.indiatimes.com/i...w/23021463.cms
)

A few things:
1. Has Audi categorically told you/insurer (in writing) that the alloys have to be replaced OR cannot be repaired.
2. Has Audi categorically told you in writing that getting alloys repaired or replaced outside the authorized service station will void the warranty?
alpha1 is offline   (3) Thanks Reply With Quote
Reply


Thread Tools Search this Thread
Search this Thread:

Advanced Search


Similar Threads
Thread Thread Starter Forum Replies Last Post
Alloy Wheels - Sai Mag Wheels (Rama Road Industrial Area) tsk13 Delhi NCR 37 30th December 2016 17:07
Car damaged in flood - Insurance companies arguing on overlapping period of coverage VolBrat Indian Car Loans & Insurance 9 25th February 2016 00:15
Recommended shops in Pune - Alloy Wheels & Tyres vinodbijlani Tyre & Alloy wheel Section 36 19th April 2014 09:00
Physically Damaged Alloy Wheels and solutions guyonblackybx Tyre & Alloy wheel Section 21 9th October 2008 00:38
Art Leather & Alloy wheels for Honda City ikoneer Modifications & Accessories 3 22nd October 2007 15:46


All times are GMT +5.5. The time now is 05:51.

Copyright 2000 - 2017, Team-BHP.com
Proudly powered by E2E Networks