MY LONG STORY & HELP AND GUIDANCE NEEDED

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Patm3
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Post Sun Oct 30, 2005 1:53 pm

Before I tell you what help I need let me give you a little background on my problem. I own an E30 M3 and when I first purchased the vehicle back in May 2002, I had problems with the clutch, then the gearbox and then needed an oil cooler. As I have another vehicle (moped for the knowledge) I decided to get the parts as near to as new as possible with no quarrels about the price. All parts were ordered from Germany and to no surprise back ordered.

A friend of the family owns a garage and said he would do the work for me and the car was quite welcome to stay in the garage until it was repaired. I decided that since the E30 M3 is a classic vehicle I would take out classic insurance with AON as I would not be driving the vehicle and I could get the vehicle covered full comp for under Ԛ£340.00 as no one else that I tried would insure the vehicle due to it being left hand drive which I found strange as I know I am not the only person in the UK with a E30 M3. I decided to get the ICE sorted straight away as the car was still drivable which consisted of three Screens, DVD player, Pioneer head unit, Playstation 1, Pioneer changer, Kenwoood EQ, x 2 15 inch Kicker square subs, Directed 1100d amp, x 2 Rockford Fosgate Amps and a Clifford alarm (see picture below), so that when all the engine work was done the car would be complete and ready for the road.

I informed the insurance company of the garage my car would be parked in to meet with the terms and conditions of the policy and they gave me a 3000 miles limit for the year. A year and a half went by the parts arrived, 8 months for the gearbox and loads of excuses, and the clutch and oil cooler we ended up getting locally. The first gear in the gearbox was gone so you could still drive the car but had to give loads of acceleration to pull off (probably why the clutch used to stick) but this was all solved.

I kept the car in the mechanics garage for another four months until I found a garage close to home to park the vehicle in. when I found a garage I moved the car straight away and informed the insurance.

1 year later and I have a new neighbour to share the garage with who also drives a BMW but an E36 model. He puts up a kind of plastic curtain across the mesh fence that separates our garages on the inside so I can not see his car and he can not see my car, fair enough I thought. July 24th 2005 I go to my garage to get my vehicle and notice my neighbours garage door is quarter of the way open, I put the key in my garage door lock only to find out its open, then I turn my garage door handle and hear a bang on metal, when I fully open my garage door I see a hand disappear into the garage next door from the top of the fence which has a 2ft gap followed by what sounded like a fall, I looked at my vehicle to notice its been scratched all around, the two screens have been ripped out the headrest and the one at front missing, the battery disconnected, the glove box ripped off, all my windows down, my stereo wedged in the centre console, EQ missing, DVD player gone, foot pump gone, think I was just in time to prevent him from doing the rest, the neighbour runs out the garage and asks me what is wrong, (like he donԚ't know) I said well it looks like someone broke in my garage and had a fun time vandalising my car, and he replies Ԛ“is itԚâ€a.

If it was not for the CCTV system I think I would probably be having some soup right about now in some cosy cubicle. I called the police and told him to wait until they arrived only to see him jump into his vehicle that was parked right up against the fence, so he had to get in on the passenger side, (strange, suppose it made it easier for him to climb over) and take off faster than the speed of light. The police said it was not an emergency at the time as they were dealing with the bombings, and someone would come out to me as soon as possible which was the next day, so I had to arrange a tow truck to come and tow my vehicle away as even when I connected the battery terminals it still would not start, as the immobiliser was permanently on (maybe from all the wires he was cutting) and I was not leaving it in the same garage again, so back it went to the mechanics garage.

Police done there job to a level and asked me about court and I agreed and I am still waiting as there seems to be a little problem with the CCTV (as usual). Now my real problems start, the insurance sends out an engineer who reckons that the car can be re-sprayed for a grand and the head rest repaired for Ԛ£100 and then values my vehicle at Ԛ£10,000. he then tells me to get quotes and inform the insurance company, which is something you normally do first, but being the car was in a garage who could give him an estimate on the spot this is what he was told, a re-spray Ԛ£2500 upwards, my headrest Ԛ£120.00 plus an extra Ԛ£40 each to cut them back out again to put the screens in, so thatÔš's Ԛ£200.00 and being that they can not match the colour of my seats and the thief broke the back of one of the chairs I might have to replace the front drivers seat which is another Ԛ£300.00 now totalling Ԛ£500.00, but he would do the front and back chairs for Ԛ£800.00 and then I will just have to match up the door cards, centre console which in total will cost Ԛ£2100, so all new interior basically so we are now talking altogether Ԛ£5000, this is not including a new boot lid, as the one on the car has a dent where the thief jumped on and off the boot to get over the fence, a new glove box, centre console for the stereo and the Ԛ£150 I had to spend to get the alarm ripped out and rewired.

Amazingly the engineer agreed and reported back to the insurance who then voided my insurance as they said that the 3000 miles that they had given me to do each year over three years, totalling 9000miles was over I explained to them that in the first year and a half I had my vehicle parked in the mechanics garage getting work done, that in agreeing with the terms of the policy and making sure the vehicle was parked in a garage over night, that one of the mechanics use to take the vehicle home and park the vehicle in his garage if they had a lot of work in to free up space, this would be the extra mileage and they were told, when the vehicle was back with me in my own garage, they could see from my MOTÔš's that I have kept well within the 3000 miles limit, as I rarely drive the car, but they said this is not there problem, luckily for me I have trade insurance which allows me to drive any vehicle, so I can still drive my car and be insured.

So I now have no insurance and the police have informed me that the CCTV system did not get the footage (bet if I punched him it would have) and the thief has a history of drug abuse so I would probably not get anything back for the damage.

So I have to do all the work myself and need help with the following?

1) a good and fairly priced re-sprayer
2) a good and fairly priced re-trimmer
3) an insurance company for E30 M3Ôš's without the limitations on mileage, if anyone could give me a price they have paid that would be brilliant.

I will attend the meet at the ACE café on 31st October 2005 not to put my car on show, but hopefully if anyone who reads this will be attending then you will see what is wrong with the car in person and will probably be able to give me some numbers and advice.

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Adam318i
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Post Sun Oct 30, 2005 2:10 pm

sorry i cant help at all mate, but that is just a fcuking disgrace!

So was it your neighbour that stole the stuff or some theiving scum?

Have they cought the guy at all?

Adam
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Cotty
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Post Sun Oct 30, 2005 2:15 pm

bajandaan wrote: I informed the insurance company of the garage my car would be parked in to meet with the terms and conditions of the policy and they gave me a 3000 miles limit for the year.

Amazingly the engineer agreed and reported back to the insurance who then voided my insurance as they said that the 3000 miles that they had given me to do each year over three years, totalling 9000miles was over when the vehicle was back with me in my own garage, they could see from my MOTÔš's that I have kept well within the 3000 miles limit, as I rarely drive the car, but they said this is not there problem, luckily for me I have trade insurance which allows me to drive any vehicle, so I can still drive my car and be insured.
I dont quite understand, if the MOT's shows that you are within the 3,000 miles allowed each year how can the insurance company say you are over. Where are they getting their information from.

Unless you have done 1,000 in one year and 8,000 in another ie its 3,000 per year not 9,000 over 3 years.
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Patm3
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Post Sun Oct 30, 2005 2:24 pm

the car has done nearly 12,000 miles its done the 9000 miles with me, the mileage over is the repair garage but since i have had the car in my personal garage for the last 18 months the MOT's show i have kept to the mileage but the MOT for the garage shows it went over the first year so i am getting penalised for mileage from over two years ago shown on my first MOT its bollox

yes it was my crack addicted E36 neighbour
M5pilot
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Post Sun Oct 30, 2005 3:14 pm

Thats realy sad to hear dude.

Point is that you have to move on and get the car sorted.

Hopefully dips will be at Ace Cafe and you can speak to him. I know his spraying abilities are superb and he has many many parts in storage to get your motor back to the way it should be.

He is also very very reasonable on his prices.

If you want his number give me a PM.
Nostrils
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Post Sun Oct 30, 2005 3:33 pm

What has happened to you is bang out of order. The only crack your neighbour should be seeing next is the one down the front of his face, full stretch.

With the insurance, I have never claimed (fingers crossed that I never do!) using my classic cover insurance, but often wondered what the insurance do in the event of restricted mileage.

I would contact either the ABI or Insurance Ombudsmen (they only exist because of the insurance industry money) and question what the insurers have done. You have a contract with the insurance company that is renewed each year and so any claim should only affect the current contract. The fact that you may have driven more miles in previous years is irrelavent because if you were to make a claim in those years, the insurers would definitely be within their rights to refuse the claim on that basis.

Just for argument sake, what if I had driven just 3000miles in 5 years but was insured for 5000 miles per year (25,000 in total). Using the same system the insurers have decided your claim, then the insurance industry owe me over 18,000 miles cover for FREE!

I would still get proper quotes prepared even though you are now getting the car done yourself and keep all receipts and argue you case, because they have changed the goal posts.

Good luck with the repairs and if you forgive your neighbour for being under the influence, just never forget and have their cards marked for another time.

F*cking insurance companies
Phil
E30 M3 - The Original Inspiration
Cotty
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Post Sun Oct 30, 2005 3:36 pm

bajandaan wrote:
3) an insurance company for E30 M3Ôš's without the limitations on mileage, if anyone could give me a price they have paid that would be brilliant.
A limited milage policy is a good way to decrease your premium and you dont have to be restricted to 3,000 miles a year. You can get policies that do 6,000 and more but if you think you or a garage are going to exceed the milage then I wouldnt choose that option.
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E30BeemerLad
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Post Sun Oct 30, 2005 3:44 pm

hmmm, I will look into this personally this week as i think your insurers are taking the interpretation of mileage too harshly here. At the times the vehicle has covered mileage that exceeds the terms of the policy, it has not been driven by you as the policyholder, so it has not been at their risk when for instance one of the monkeys in the workshop stuffed the car, that would be covered on the workshop policy of the garage. Unless you had the garage people covered on your policy in which case you have no chance.

Basically what I will be checking is the issue of limited mileage being "totality of mileage covered" or total mileage covered by the policyholder.

If you don't mind, PM me with details of who your insurers are, AON are a broker, so there will be an insurer in the background somewhere.
Cotty
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Post Sun Oct 30, 2005 3:51 pm

Just out of interest what was the milage for each year, roughly
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Patm3
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Post Sun Oct 30, 2005 9:09 pm

the mileage for each year was 3000miles
koos
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Post Sun Oct 30, 2005 9:47 pm

Go damn man, that brought a tear to my eye, you could write a novel on that saga. I really really really hope you get it sorted out, dont you wish you could kick the living shit out that scumbag!!!!! I would do it for you !!!!

Where is the Zone hit team?
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E30BeemerLad
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Post Mon Oct 31, 2005 2:24 pm

PM send bajandaan :cool:

PS - it will be a good idea to get the garage to vouch for the approximate mileage and frequency they used the vehicle otherwise your insurers will think you are dreaming up excuses afterwards. Invoices for all the work they have done will help to corroborate the periods they have had the vehicle, together with any contemporaneous accounts you have passed onto your brokers (notifying them when the car is off to the garage etc etc)
Cotty
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Post Mon Oct 31, 2005 3:26 pm

Cotty180 wrote:Just out of interest what was the milage for each year, roughly
bajandaan wrote:the mileage for each year was 3000miles
Cant be because you said it had done 12,000 miles.

I ment what was the milage the CAR did each year
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Patm3
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Post Tue Nov 01, 2005 1:46 am

the first year was nearly 8000
the second year i done just over 2000
the third the same just over 2000 making it 12000 and something over the three years i have been insured with them but the first year was a combination of my mileage and the garage

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