Sorry if the following is a bit long winded.
Did you get the part about "contaminated fuel" in writing? As I doubt that AAMI would cover for blocked injectors and a blown up fuel pump,
Looking at AAMI policy wording from in the section "We will not pay for" http://www.aami.com.au/car-insurance/policy-documents/aami-comprehensive-car-insurance-policy/what-we-pay-for
Quote "We will not pay for" --->
We will not pay for:
- mechanical, structural, electrical, electronic or other failure or breakdown
<---QUOTE
It's the same story if you have a puncture -- It will not be covered.
Still it would be good if you to prove me wrong, as blowing up the fuel injection system can cost upto about $20000 -- It's the main issue with these common rail diesels.
Yes, I sent the same message to a few companies. This is part of what I asked AAMI.
‘after reading your product disclosure statement I need confirm if your comprehensive car insurance covers for ‘dirty fuel’. Example, our vehicle is a Toyota Landcruiser 200 series, V8 diesel, would your insurance cover if contaminated fuel damaged the vehicles injectors? Contaminated unintentionally from an unknown service station.’
This was their reply,
‘Hi Kevin,
Under our comprehensive policy we are able to cover for your vehicle for damages sustained from contaminated fuel.
If you have any further enquiries please do not hesitate to email us.
Kind Regards,
Mandy Heferen
eBusiness Consultant, AAMI Distribution ‘
Shannon's reply in part said,
'In relation to fuel contamination, there is no exclusion preventing a claim being made. However, in order for the claim to be valid, it would need to be proven that the damage was in fact caused by contaminated fuel and not mechanical failure or faulty workmanship. The Third Party responsible for the contaminated fuel would need to be provided as well.'
I replied back to them.
'Thank you for your fast reply, but a bit disappointing with regards to contaminated fuel. As you must appreciate when travelling and obtaining fuel at several service stations in a relatively short period of time it would be almost impossible to identify the actual service station responsible. I do take extreme care but just need that piece of mind if the worst happens. But again, thank you. I have received positive replies from other insurance companies so I will decide between them.'
QBE's reply,
'I have referred your question regarding contaminated fuel on and have been advised that engine damage from contaminated
fuel is not a claimable event with QBE, the service station would have to be sued for the damage'
RACQ,
'I have called through to our motor claims department about your query and they have advised that each situation is assessed on an individual basis. Unfortunately, it is not a yes or no answer. You could certainly lodge a claim, it would just be up to the assessor to make a decision on the outcome.'
Just another thought, do you live in the country, that makes a huge difference, my daughters car premium is halved when she renews it at uni in Albury than it is in good old Melbourne
Yes, you are correct, we live in a small town of 28,000, about 3 hours north of Brisbane.
Kevin
