Team-BHP - My MG Gloster gets rear-ended | Repair quote of 6.5 lakhs!

Sorry to read about your ordeal. We get some learning from your episode and a lesson about getting zero-dep and cashless an absolute mandatory item while getting a new car.

I had a good experience with UIIC while claiming insurance when I hit a truck from behind ;) It was my mistake though which cost a total of 23k where I got about half the claim amount. Reimbursement was done in a week after repair and it was not cashless.

Please get a front and rear dashcam immediately(Edit: I am not aware if your vehicle comes fitted with it) so that the hit and run drivers are taken to law - It may not be a injury-less crash always. I wish you don't have to go through anything like this again.

Quote:

Originally Posted by Kosfactor (Post 5017938)

It probably would cost roughly the same if this had happened in any other vehicle that costs the same amount of money to buy and all these bits are imported.

But these parts do not look like any of those in cars that cost the same amount of money or even lesser. (consider the parts in a Kodiaq or a much cheaper Jetta). The only thing 'premium' I see here is the price tag and part costs. I cannot find a parliamentary term to describe the exhaust assembly, the way it is attached or its pricelol:.

Quote:

Originally Posted by --gKrish-- (Post 5018060)

You see that plastic piece without the brackets and bits called as the bumper cover - in an old skoda superb it costs ~ 80K INR, usually that is more than the vehicle itself is worth (just kidding) . Interestingly anything that is attached to the car seem to depreciate along with the car`s value, the damn replacement bumper keeps increasing its price year on year.

But one thing is true, these vehicles are going to be exorbitantly expensive to maintain in excellent condition once warranty and bumper to bumper insurance cover is over.

Quote:

Originally Posted by Kosfactor (Post 5018105)

You see that plastic piece without the brackets and bits called as the bumper cover - in an old skoda superb it costs ~ 80K INR, usually that is more than the vehicle itself is worth (just kidding) .

I agree these are overpriced but there is a reasonable quality expected from them when you pay a premium. Many things in this MG looks like it was integrated without any thought. It is not the case with most other similarly priced cars. Eg the rear impact beam's thickness and position, the fake exhaust's center portion will directly face the actual exhaust stream and this thin metal will inevitably get heated in continuous operation. They have routed a loom right over it without any shield.

I might be thinking too much, but after seeing the extent of attention even to small things in a w140 from 3 decades ago, MG can seriously do better in 2021.

Firstly kudos to you for staying so calm and collected throughout the incident, even the fact that you didn't chase the truck driver! I feel this is another classic case of stupidly expensive car parts that don't make any sense!

MG becoming a competitor to the VAG Corporation in terms of non-sensically expensive car parts. I actually had to double-check if the bill estimate was 50,000 or 500,000 in your photos. Sorry for the perils that you are facing... :Frustrati

Sorry to read about this ordeal! Hope your steed gets back on the road soon

Quote:

Originally Posted by RavSam (Post 5017899)

An affordable car under 10-15 lakhs is easy to maintain, less headache, less prone to sabotage and when it comes to such situations, causes less heartburn.

While the bill is crazy, no doubt and we are thinking about choosing inexpensive cars, I am just wondering if we should at least express gratitude on the fact that no injury occurred given the Gloster is a big (apparently safe?) car and only the rear tail took the brunt of the hit.

The outcome could have been much more fatal had it been an affordable car under 10-15 lakhs and there were passengers in the rear. Most of the cars in this segment carry all the bling and are coming from reliable brands (e.g., most popular Hyundai/KIA twins) but are compromising on the safety which is unacceptable even for city runs.

I really urge all the manufacturers to manufacture safe cars across segments and the government to bring in stricter laws to ensure this happens. Also never forget to buckle up even if you are in the rear seat :)

Quote:

Originally Posted by sid_deb (Post 5018508)

The outcome could have been much more fatal had it been an affordable car under 10-15 lakhs and there were passengers in the rear.

Well, it depends on whether you choose a WagonR, i10 Nios, Swift and the likes or a Polo, XUV 300, Altroz, Nexon, etc.

The 4-5 star cars would have been almost as effective as the Gloster for the above impact. A bigger car can probably be better in a front-end collision though the IIHS test show otherwise.

The Gloster above saved an injury but gave a heart attack of sorts. :D

Also, in no way I am suggesting/advising anyone to do that. Just what I think that in such cases this things do come to mind.

It would have been another story if the repair costs were low if the Gloster was manufactured here. Till then this is how it will be.

Sorry to hear about the incident and all the trouble you had to go through. 6.5L is just too expensive repair cost for such an incident. Its an absolute rip off.
This is an eye opener for anybody planning to purchase an expensive car with all the bells and whistles loaded.
I can only imagine the fate of the owners of the many CBUs models that may have to go through due to any unfortunate and unforeseen events like this.
The lessons learnt for me definitely will be to always go for the Zero-dep cover even though we have to pay more for insurance. Secondly always to think twice and consider a highly localized car while purchasing.

50k for plastic trim. I will put that part in a glass showcase and show to my guests. Glad insurance is paying for most of the bulk.

OT, are you going to keep that ridiculous GLOSTER badge? It appears the truck didn't like it and decided to demolish it.

Sad to see a new car in this shape. Coming to insurance, a dog suddenly darted out of nowhere and onto my car, a Skoda Rapid doing 100 kmph on cruise control. Needless to say, this damaged the bumper, fog lamps etc cosmetically but internally, it also caused a damage to the inter-cooler housing and the vent. Had to replace the entire assembly etc. Thankfully, Bajaj Allianz zero dep policy bailed me out. The only thing I had to pay for was some voluntary deductible and a charge for some basic service that I carried out. Total bill was around 53K of which only 3K was my contribution. Zero dep all the way from for all my cars

Quote:

Originally Posted by bark1234 (Post 5017024)

Finally, on Friday, 5th March, he shared the final estimate with me. The total estimate was about 6.5 lacs INR.

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I will be having a sleepless night today after reading this article.6.5 Lakhs damage is insane. That is almost 1/5th of the total price of the vehicle.
Sheer bad luck of not having the Zero Dep in this instance.Again hats off to you for recording the whole ordeal in detail. I wish you get over with the repair and back on the road soon.
Quick Question though, the truck driver responsible for this did he offer any assistance monetary wise since it was his fault. I know the question sounds weird but hey its hard-earned money getting lost without even your fault.

The worst part is that such pricing policies contribute towards insurance rates increases across the board. While the OP may get a big chunk of costs covered through his insurance policy (and I am happy for that), ultimately that money has to come from somewhere.

I would feel better if insurance rates were set by model instead of just vehicle price. That way vehicles with unreasonably priced parts could be put in a higher insurance group compared to other cars with a comparable ex-showroom price but more reasonable repair costs. This model is what the UK follows, for instance (although their formula is more complicated than just repair costs based).

Quote:

Originally Posted by RavSam (Post 5018524)

You are mistaken. The 4 or 5 star rating is effective when the collision occurs with a similar size vehicle. A bigger, heavier vehicle like the Gloster, regardless of star rating, would always be safer than a 5 star rated smaller vehicle like the Nexon. If the Gloster were to have say a 2 star rating and it collided with a 5 star rated Nexon, the occupants of the Gloster would fare far better due to simple laws of physics. Take an example of a car hitting a bus or truck. The buses and trucks are poorly built but almost always their occupants escape injuries due to higher mass while the occupants of the car perish. No IIHS test has shown otherwise. In fact several tests have proven that bigger and heavier vehicles are safer than smaller ones.

Sad to hear about the ordeal, hope that the huge sum of 6.5L is supported well by the insurer without much of a hassle.

While some of the part cost looks okayish for the 'premium' badge, some of them are exorbitantly priced. Almost half a lakh for a fake exhaust, what on the earth has been used to make that part?

This is simply a rip-off! MG is charging as much as a luxury brand like BMW, Merc, etc would charge for similar repairs and they simply don't have the brand status of premium luxury carmakers. Not that I can afford it, but one more strong reason not to go for expensive cars especially from relatively new brands. After paying a hefty car loan EMI, one needs to take a personal loan to get it repaired in case of an accident :Shockked: .