Missold alloy wheel insurance

Discussion in 'Insurance & Finance' started by Daveuk, Oct 29, 2018.

  1. Daveuk

    Daveuk Hardcore MB Enthusiast

    Messages:
    120
    Joined:
    Apr 1, 2018
    Location:
    Barnsley
    Car:
    A180 Sport & E250 AMG Sport
    When I bought the other half her used approved A class 2 years ago we were also told to buy alloy wheel insurance the salesman gave it the usual oh everything’s covered etc so we thought oh yeah we will take that out.

    Anyway turns out it doesn’t cover diamond cut wheels now my argument is the salesman who sold us the car should of known this now the wheels have 1 slight kerb mark on them but we have lacquer issues which also won’t be covered.

    The policy was obviously missold to us had anyone managed to get such a policy refunded?

    Any advice would be much appreciated I’m thinking of writing a letter to the dealership or to there head office.


    Sent from my iPhone using Tapatalk
     
  2. flowrider99

    flowrider99 Hardcore MB Enthusiast

    Messages:
    1,659
    Joined:
    Aug 25, 2011
    Location:
    UK
    Car:
    SL500 (R230) / Audi S5 Sportback
    Shouldn't be a problem, just go back the dealership that sold the car and wheel insurance to you and ask to speak to the sales manager.
     
  3. bas358

    bas358 New Member

    Messages:
    26
    Joined:
    Mar 30, 2010
    Location:
    west yorkshire
    Car:
    C180 estate mag sport 2011
    As it’s insurance it is covered by FCA rules, (financial,conduct authority) if the garage doesn’t offer settle the which is acceptable, under the required complaints procedure you can take if to the Financial Ombusdman Service for them to make a ruling, this will cost the garage £550 if there have already been a few complaints against them.

    Looking at recent industry stats the motor trade is getting near the top of the number of complaints which end up with the ombudsman
     
    clk320x, st13phil, markjay and 2 others like this.
  4. whitenemesis

    whitenemesis MB Club Veteran

    Messages:
    14,328
    Joined:
    May 7, 2007
    Car:
    Lexus RC300h F-Sport 2016
    I wonder how the T&Cs are worded regarding the coverage of the different types of wheel finish?
    Seems it wasn't clear or you would have spotted it?
     
  5. OP
    OP
    Daveuk

    Daveuk Hardcore MB Enthusiast

    Messages:
    120
    Joined:
    Apr 1, 2018
    Location:
    Barnsley
    Car:
    A180 Sport & E250 AMG Sport
    The T & C’s state they do not cover diamond cut wheels the salesman never told us this when he sold us it nor where we made aware that the car we bought had diamond cut wheels on it.

    I sent an email explaining this to the dealer asking for the policy cost to be refunded and they’ve done that so I’m pleased about that.


    Sent from my iPhone using Tapatalk
     
    clk320x, st13phil, markjay and 2 others like this.
  6. whitenemesis

    whitenemesis MB Club Veteran

    Messages:
    14,328
    Joined:
    May 7, 2007
    Car:
    Lexus RC300h F-Sport 2016
    This, obviously you would have noted when signing the agreement
    But as,
    This is where the salesman failed you..

    Do any wheel insurances cover diamond cut finishes?
     
  7. OP
    OP
    Daveuk

    Daveuk Hardcore MB Enthusiast

    Messages:
    120
    Joined:
    Apr 1, 2018
    Location:
    Barnsley
    Car:
    A180 Sport & E250 AMG Sport
    We didn’t get anything at the time of sale it all came through the post and got filed with the car stuff.
    Ok I should have read the booklet but it’s like huge and who does read these anyway?

    We took the salesman’s word for what he was selling us and also what if I had no idea what diamond cut wheels are?

    I’ve no idea if any policies do I’ve seen a few posts on other forums where people have taken out a policy and then found out it doesn’t cover diamond cut.

    Interestingly when I bought my E Class the dealer I bought that from also tried to sell me alloy wheel insurance which I turned down knowing my car has diamond cut wheels.


    Sent from my iPhone using Tapatalk
     
  8. John

    John MB Club Veteran

    Messages:
    10,779
    Joined:
    Mar 3, 2011
    Location:
    Daan Saaf
    Car:
    I wish.
    I've quickly learnt that diamond cut wheels rot very quickly - and have heard pretty much the same from a number of other people.

    I would be surprised if any insurance covered them because it sounds like they are a guaranteed to need a refurb pretty quick.

    It didn't take long for them to rot on my car and they were spotless when I bought it.
     
  9. OP
    OP
    Daveuk

    Daveuk Hardcore MB Enthusiast

    Messages:
    120
    Joined:
    Apr 1, 2018
    Location:
    Barnsley
    Car:
    A180 Sport & E250 AMG Sport
    To refurb them they have to put the on a Laithe and recut them as well or at least that’s what Mercedes told me so in the case of a big scrape on them if it’s too deep they can’t recut them.


    Sent from my iPhone using Tapatalk
     
  10. mob1

    mob1 New Member

    Messages:
    1
    Joined:
    Dec 3, 2018
    Location:
    Southport
    Car:
    c200 diesel
    a few companies cover diamond cut, shortfall and tidyalloys do both types, cover looks good on it as well
     
  11. ioweddie

    ioweddie Hardcore MB Enthusiast

    Messages:
    1,024
    Joined:
    Sep 16, 2012
    Location:
    Winford Isle of Wight
    Car:
    AMG Line Premier Plus Estate C220d
    when I had my 62 plate Mercedes replaced all 4 diamond cut alloys as they had lacquer problems
     
    Daveuk likes this.
  12. John

    John MB Club Veteran

    Messages:
    10,779
    Joined:
    Mar 3, 2011
    Location:
    Daan Saaf
    Car:
    I wish.
    GAP insurance, Alloy Wheel insurance etc. will probably be the next PPI scandal!
     
  13. ferg f

    ferg f Active Member

    Messages:
    66
    Joined:
    Dec 18, 2013
    Location:
    Ayrshire
    Car:
    C43 Coupe and GLE
    My E class coupe had one diamond cut replaced by Merc after the laquer failed when the car was 18 month old, the wheels were unmarked except for the laquer breaking down and there was no arguement whatsoever from them.
     

Share This Page

  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.