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HarryO
6th November 2013, 06:35 PM
Well it finally happened… got stuck in a bog hole and the landy just kept settling deeper and deeper into the mud…

Yes I did walk the obstacle and it was knee deep water with some softish mud but looked OK - nothing I have not done before. If I did get stuck there were lots of trees for winching and a vehicle on standby to snatch – thought I had it all covered:angel:. In I went got half way through and lost traction – no panic yet - all under control .
Tried maxtrax and winching out forward but absolutely no movement. Tried snatching out backwards and nearly tore the bullbar of the front of the vehicle – bent it totally. While doing this the right side of the Landy just kept sinking :o:o- eventually all the foot wells were covered in about 4 inches of smelly rotten bog water.

Found that under the water and mud the vehicle had lodged onto a 6 inch tree root that no one could have seen under the mud. It bloody well lodged between the right fender and the back of the bullbar. This was not going anywhere -tried swinging the winch onto it to pull it free but nothing. Had a decent axe but could not use it. Eventually a passing Toyota driver pulled out a :censored: [B]small pruning saw to cut it off. Doing that under rotten black swamp mud and foot of water was great fun:mad::mad:.

Anyhow my sad tale is not the purpose of the post – I want to make sure that I cover all the repairs that may be required so that the insurance company does not leave me with a half repaired Landy that packs up in 3 months time. I think they will scrap it.. but just in case..

Things that I have come up with are:
· Carpets will need total replacement.
· With the bullbar damage - I need to check the chassis alignment
· Wheel wobble - alignment feels out.
· Lower skirting on the left front passenger door popped off - I stuck it back but it will need new "pins"
· Lower skirting on the right front driver door popped off - rubber at bottom is torn - I stuck it back but it will need new "pins"
· I do not think the engine got any water into it but the engine bay got a good soaking. Engine seems more sluggish - lots of revs on acceleration but not the same pull. (could be my imagination)
· Sounds like a ticking noise from that fan belt when idling - could also be the fan which was splashing water around
· do the diffs need an oil change - not sure if there are breathers in the D3
· Rear Bumper got totally screwed when the 1st ARB snatch rope snapped.
· Electrics & all plugs will need to be cleaned / replaced. After we got it out the water :
· the fault lights came on intermittently - seems to have gone not that it's dried out but needs checking.
· Cruise Control would not work
· Alternator light was on continuously - but is off now since it dried out.
· Radio has stopped working
· Breaks are squeaking - could just be mud.
· Complete valet and clean of vehicle.

Can anyone suggest other items that may need to be checked / quoted?

letherm
6th November 2013, 06:55 PM
Ouch !!!

Maybe check that the suspension is ok as well.

Martin

omnibus
6th November 2013, 07:02 PM
comment removed good luck with fix up

manic
6th November 2013, 07:48 PM
If it were a Defender:
Hose it down, all normal.

But as it is not:
Hose it down, sell it, get a defender.

:wasntme:



I think they will scrap it.. but just in case..

you think it might be a write off?? Hopefully they will fix it all up for you no problems.

Yorkie
6th November 2013, 07:52 PM
What you can claim on purposely trashing your rig, no wonder premiums are so high?

it was an accident, thats why we have insurance, for accidents.

HarryO
6th November 2013, 08:11 PM
What you can claim on purposely trashing your rig, no wonder premiums are so high?

Mate - would hardly call it "purposely" - been driving 4x4's off-road for 35 odd years and never had an off-road related insurance claim. I do not apologise for using my vehicle as more than an urban shopping trolley.

Big difference between having it checked and claiming it - if it checks out Ok the obviously no claim required.

Bloody hell - they always seem to crawl out the woodwork but the again I suppose that opinions are like arseholes -everyone has one.

omnibus
6th November 2013, 08:59 PM
comments removed you go son good luck with the fix up

discotwinturbo
6th November 2013, 09:17 PM
If I pay for insurance and opt for a policy that gives me full offroad cover, and if I damage my car offroad enough, regardless how it happens, I would claim it, and it's not insurance fraud.
Accidents happen, and is irrelevant how it happened...it's an accident and therefore a claim can be made should the insured choose to do so.
If you run up the back of someone because you were not attentive to the situation around you, this could have been avoided.
This big hole could have been avoided, and due to not doing a perfect check, an accident has occured.
I think the OP has a right to claim the damage without someone getting on their high horse and stating that its wrong.
Just my opinion.

Brett....

RVR110
6th November 2013, 09:33 PM
^^ x 2

HarryO
6th November 2013, 09:43 PM
well we all know it is a fact that false or fraudulent claims cost us all, how else do insurance companies recoup from these kind of claims. you can be as :censored: as you like but fact is fact, I just think its a bit rich to claim that as an accident is all, i know if i drive thru a big mud hole and get stuck it was no accident i drove thru that mud hole on purpose :angel: and that is my opinion like it or lump it,

Neither like it nor lump it - I will just choose to ignore it but thank's for your valuable contribution so far. I have no idea how you come to the conclusion that my claim will be "false or fraudulent" but I would be careful what accusations I post on a public forum.

Boofla
6th November 2013, 09:46 PM
it was an accident, thats why we have insurance, for accidents.

Some would say there is no such things as accidents...

sheerluck
6th November 2013, 09:48 PM
Some would say there is no such things as accidents...

Very true, Master Oogway....

discotwinturbo
6th November 2013, 10:03 PM
Some would say there is no such things as accidents...
Exactly. Accidents are caused and don't happen. They are all "purposeful".
So as they are caused, no one should be making a claim ?
But that's why insurance exists.....to transfer the risk for incidents that have been created.
Brett....

omnibus
6th November 2013, 10:07 PM
Thank's for you valuable contribution so far but please don't be vague about it . Please put it in writing on a public forum that I have lodged a false or fraudulent claim.

All I have asked for is advice on what should be checked.


comments removed good luck with fix up

sheerluck
6th November 2013, 10:15 PM
What you can claim on purposely trashing your rig, no wonder premiums are so high?


I am not being vague at all and I have not at all said you have lodged false or fraudulent claim.

Claiming that someone has trashed their insured property on purpose is about as close as you can get to saying that they have lodged a fraudulent claim ;)

omnibus
6th November 2013, 10:49 PM
as there are plenty of quotes you can all see what I think but I have removed my comments as they are being misconstrued as accusing which they are not ....good luck

MR LR
6th November 2013, 11:33 PM
Bin it. I'm buggered as to why people drive computers into big holes anyway.

Cheers
Will

Landy Smurf
7th November 2013, 05:50 AM
Very true, Master Oogway....
my first thought was this quote. But i like yours better.
0:38:07 Mr. Skinner do you mind telling me how you know about the identity of the persons involved?

00:38:12 You know how it is, news travels fast.

00:38:20 What happened Danni? - Traffic collision.

00:38:23 Why can't we say accident, again?

00:38:25 Because accident implies there's nobody to blame.

minibloodhound
7th November 2013, 06:57 AM
There's no such thing as an accident, somebody or something is always at fault. That's why the accident investigation section changed name to the crash investigation section.

CaverD3
7th November 2013, 06:58 AM
Good luck mate.
I would want to be sure chassis is straight and also check recovery/tow points.
Don't use Scientific smash repairs though. Find a repairer you can talk to and make sure they do it properly.
There is good reason to make sure your insurance covers off road. :BigThumb:

TerryO
7th November 2013, 07:27 AM
Well hasn't his thread dragged out some gooses with what could only be considered as interesting opinions. ...:angel:

Makes you wonder why some people even buy a 4x4.

Anyway good luck with your insurance claim, that is exactly why we have insurance that covers off road incidence like that.

Redback
7th November 2013, 08:01 AM
Well it finally happened… got stuck in a bog hole and the landy just kept settling deeper and deeper into the mud…

Yes I did walk the obstacle and it was knee deep water with some softish mud but looked OK - nothing I have not done before. If I did get stuck there were lots of trees for winching and a vehicle on standby to snatch – thought I had it all covered:angel:. In I went got half way through and lost traction – no panic yet - all under control .
Tried maxtrax and winching out forward but absolutely no movement. Tried snatching out backwards and nearly tore the bullbar of the front of the vehicle – bent it totally. While doing this the right side of the Landy just kept sinking :o:o- eventually all the foot wells were covered in about 4 inches of smelly rotten bog water.

Found that under the water and mud the vehicle had lodged onto a 6 inch tree root that no one could have seen under the mud. It bloody well lodged between the right fender and the back of the bullbar. This was not going anywhere -tried swinging the winch onto it to pull it free but nothing. Had a decent axe but could not use it. Eventually a passing Toyota driver pulled out a :censored: [B]small pruning saw to cut it off. Doing that under rotten black swamp mud and foot of water was great fun:mad::mad:.

Anyhow my sad tale is not the purpose of the post – I want to make sure that I cover all the repairs that may be required so that the insurance company does not leave me with a half repaired Landy that packs up in 3 months time. I think they will scrap it.. but just in case..

Things that I have come up with are:
· Carpets will need total replacement.
· With the bullbar damage - I need to check the chassis alignment
· Wheel wobble - alignment feels out.
· Lower skirting on the left front passenger door popped off - I stuck it back but it will need new "pins"
· Lower skirting on the right front driver door popped off - rubber at bottom is torn - I stuck it back but it will need new "pins"
· I do not think the engine got any water into it but the engine bay got a good soaking. Engine seems more sluggish - lots of revs on acceleration but not the same pull. (could be my imagination)
· Sounds like a ticking noise from that fan belt when idling - could also be the fan which was splashing water around
· do the diffs need an oil change - not sure if there are breathers in the D3
· Rear Bumper got totally screwed when the 1st ARB snatch rope snapped.
· Electrics & all plugs will need to be cleaned / replaced. After we got it out the water :
· the fault lights came on intermittently - seems to have gone not that it's dried out but needs checking.
· Cruise Control would not work
· Alternator light was on continuously - but is off now since it dried out.
· Radio has stopped working
· Breaks are squeaking - could just be mud.
· Complete valet and clean of vehicle.

Can anyone suggest other items that may need to be checked / quoted?

Brakes and handbrake drums will need a clean, also the radiator/intercooler and so on, best thing to do is claim through your insurance, these things happen, I've drowned a car before and claimed through my insurance, they had no problem with us claiming.

With most drownings, the vehicle will most likely be written off, it's just not worth it to try and repair the car, there is usually long term issues, especially with the new electronic cars like the D4/D4.

Baz.

rb30gtr
7th November 2013, 08:31 AM
Ahh spewin! What a situation, I can just imagine the lovely boggy muddy smell of having to saw the branch off.

I filled my front passenger foot well up with such a lovely substance, and had to be recovered by a jeep :( Sorry everyone... My D3 still smells like it to this day.

Good luck with it all! I'd be keen to see what the outcome is. The D3 is my first insured vehicle ever, and knowing nothing about how or what to claim or the process I am eagerly watching this thread.

incisor
7th November 2013, 08:33 AM
Well hasn't his thread dragged out some gooses with what could only be considered as interesting opinions. ...:angel:

Makes you wonder why some people even buy a 4x4.

Anyway good luck with your insurance claim, that is exactly why we have insurance that covers off road incidence like that.

yeah makes you wonder.

why people feel they have to comment when they have nothing constructive to add has me in, sign of the times i suppose.

TerryO
7th November 2013, 08:35 AM
Ahh spewin! What a situation, I can just imagine the lovely boggy muddy smell of having to saw the branch off.

I filled my front passenger foot well up with such a lovely substance, and had to be recovered by a jeep :( Sorry everyone... My D3 still smells like it to this day.

Good luck with it all! I'd be keen to see what the outcome is. The D3 is my first insured vehicle ever, and knowing nothing about how or what to claim or the process I am eagerly watching this thread.


Just make sure your insurance covers you off road and only get agreed value policy's, otherwise when it comes time for it to being written off all of a sudden your cars value goes own another 10k or so.

rb30gtr
7th November 2013, 08:41 AM
Just make sure your insurance covers you off road and only get agreed value policy's, otherwise when it Modesto being written off allof a sudden your cars value goes own another 10k or so.

Oh, how do I know if I am covered off road?

discotwinturbo
7th November 2013, 09:34 AM
Oh, how do I know if I am covered off road?

Grab a copy of your Pds and read from front to back...and very carefully.

Brett...

CaverD3
7th November 2013, 09:56 AM
If it says gazetted roads then it does not cover off road. Look at the exclusions usually rally and time trials are excluded. If you have used your lease company for insurance then it will not cover off road and agreed value will only be your balloon payment.

HarryO
7th November 2013, 10:35 AM
Bin it. I'm buggered as to why people drive computers into big holes anyway.

Cheers
Will

I agree - cars were simpler back in the day.
At least I had a fair chance at getting it going again if it broken down. This new mobile computer gives me loads of false alarms and warnings. Never had any of these problems with my first Landy (SII-A) - it ran forever (slowly).

Heard a quote about the series landy's once not sure by who -"the longevity of a Landrover is guaranteed by the discomfort of it's passengers":wasntme:

PerthDisco
7th November 2013, 01:44 PM
I was under some impression that river crossings were not covered by any policy?

A bog hole is clearly different but wondered if in fact river crossings are at your own risk?

CaverD3
7th November 2013, 01:48 PM
Unless it is an exclusion in the PDS it is covered.

time2
7th November 2013, 01:51 PM
If you drive through a "road closed" sign you may have some legal issues to overcome......

HarryO
7th November 2013, 02:09 PM
I specifically took out this policy covering my type of 4x4ing - and have been paying the higher premiums for just over 5 years now without ANY claims. I am covered for all off-road and beach driving except where it's on my own private land or in my driveway (for some reason). No mention or limitation on rivers, bog holes or anything else for that matter. There is a penalty to pay because it is a off- road claim - the excess is doubled.

It happened on a public road in a National Park so no "private road" or "road closed" issues thankfully - although I have passed some of those in the past so something to take into consideration in future. "She'll be right - it will never happen to me" is not always true.

CaverD3
7th November 2013, 02:13 PM
Mine covers my own land and driveway. (GIO)

Redback
7th November 2013, 02:36 PM
I was under some impression that river crossings were not covered by any policy?

A bog hole is clearly different but wondered if in fact river crossings are at your own risk?

River crossings or Fords on a track, are gazetted roads on public land, so are covered, I know this because I drowned my old 4WD in a river crossing, also a gravel road is not offroad, it is only classed as offroad if it is 4WD only road.

Baz.

amazing
7th November 2013, 03:32 PM
back on topic.

clean intercooler outside as you said a bit boggy. may need to remove front bumper( if you have one)
check out connections behind battery ( remove battery first)
oil steering UJ's they are not well sealed

remove/dry electrics from under seat ( could be linked to radio issue)

maybe
check air filter is dry

unless its deeper than 600mm (often automatic write off) its more ljikely to be fixed.

HarryO
7th November 2013, 09:07 PM
Just make sure your insurance covers you off road and only get agreed value policy's, otherwise when it comes time for it to being written off all of a sudden your cars value goes own another 10k or so.

Agree 100% with TerryO - I only insured at "Market Value" and may regret it now - for a few $$ more I could have insured at "Agreed or Nominated Value" - aaahhh the benefit of hindsight.

The only thing I would add is that you need to keep your policy up to date with anything you add to your vehicle after you insure it - otherwise your vehicle is insured but not the expensive goodies you added on (compressor, bullbar, winch, LED lights, etc) - another reason to go "Nominated Value" because then I think you can add anything up to that value.

As it turns out the quote for the repair is $ 12.8k so well below "Market Value" so I think they will repair it:)


Well hasn't his thread dragged out some gooses ....

Must be full moon or something new in the water. My son warned me about forum posts that go feral and turn into a "word war" - just did not think it would be this one :eek:


Oh, how do I know if I am covered off road?

As the other guys have said read your insurers PDS (Public Disclosure Statement) - OR - if your going through an insurance broker call them and make them confirm exactly what you are covered for, when and where.

Thanks to all who contributed ...on both sides of the argument.

CaverD3
7th November 2013, 09:43 PM
Ask for copy of the quote. Are you choosing the panel beater or the insurance company?

HarryO
7th November 2013, 09:51 PM
I get to choose my repairer so no problem with the quote it's from Discovery Automotive in Wangara, WA - Land Rover specialists that have been looking after my car since I got it.

Great guys and great service - MUCH better value for money than Barbagallo's (or Southern) in my opinion.

No real panel damage so no need for a panel beater.. few scratches that they will buff out as part of the valet service..

CaverD3
7th November 2013, 09:54 PM
Definitely use someone you trust. :BigThumb:

AnD3rew
8th November 2013, 08:59 PM
Re question on diffs, I don't think it has been answered (sorry if it has and I missed it). The D3 has built in breathers which i think terminate near the top of the radiator at the front and near the fuel filler at the back. Unless you drowned over that level you should be right.

DanW
9th November 2013, 09:43 AM
On the Insurance front, if you can't tell what's covered or not from the PDS then call the company and ask.

Also on the agreed V's Market value, some companies (GIO, Suncorp, maybe others) offer a policy where if you buy the car new, and keep the policy with them, then you get a new car if yours is written off during the life of the car. So if I kept my D4 for 10 years with the same policy, then it was written off, I get a new D5, or maybe even a D6 by then.

My policy will get me a new car if it's written off within the first 2 years - that's a pretty common feature with most companies.

(Disclaimer - You should always read the PDS to determine if this product is right for you.....yes, I work for an insurance company....) :cool:

The last thing you should look at when buying insurance is price - unfortunately for most people it's the first and only thing they look at.