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-   -   My MG Gloster gets rear-ended | Repair quote of 6.5 lakhs! (https://www.team-bhp.com/forum/street-experiences/234188-my-mg-gloster-gets-rear-ended-repair-quote-6-5-lakhs-4.html)

Update 10/03

I am expecting this ordeal to cost me around 1.5 lacs. Yesterday Insurance surveyor made a final visit to review damages and expected repairs. I just made a payment of 1.1 Lacs to the service center. Now they will order components from MG. The expected time is one week for parts to arrive, Post that it might take another week to fix the vehicle.

Once the vehicle is fixed, Insurance may take 3-4 days to process payment to the service center. I practically expect the vehicle is still 15-20 days away from me.

And today is the 15th day since the accident happened.

To be fair, the Fortuner rolled over 4 times, which is not the same as small nudge to the rear end. But frankly speaking Expensive cars = expensive bills, even for parts made from same quality plastics as something from two segments lower.

P.S : What an horribly written fanboish article, which is more or less like a advertisement for the Nexon than anything else :thumbsdown

That's definitely exorbitant pricing for spares but that's just how premium CKD/CBU part prices work. I'm surprised that they're not willing to repair some of those connectors though. Just need to buy new couplers and it's a simple repair. There was really no need to replace the wire harness but I guess the dealer is just looking to make hay while the sun shines.

Regardless of whether your vehicle is premium or not, zero depreciation, RTI (especially in your first few years), consumables and engine protector packages are absolutely essential. The last two are inexpensive add ons.

Contrary to what some members here think, this doesn't mean you need to buy insurance from the dealer though. Just look at the cashless garage list (Usually available on their website) for each insurer and see if your ASS is listed. Even if you have to pay a little extra for a particular provider, it will still be 30-50% cheaper than dealer provided insurance, especially for a new vehicle.

Thanks!

This does clarify 2 points that I mentioned:

One being - "The ratings are meant to be used to compare crashes with vehicles of similar size," said Adrian Lund, president of the IIHS. "You can't really go between the segments with these ratings."

So the star ratings don't actually paint a clear picture for various situations like a truck vs a hatchback.

Two- "A bigger, heavier vehicle provides better crash protection than a smaller, lighter one, assuming no other differences. The longer distance from the front of vehicle to the occupant compartment in larger vehicles offers better protection in frontal crashes."

So in the case of rear end collision as in this case I still believe both would do good unless the small car goes under the wheels of the larger one.


EDIT:
I saw this in the Jokes thread but now this really suits the MG tagline, since after looking at the repair bill (specially for the badges) this would be the exact reaction

Very sorry to hear about the accident. The thumb rule is that if you buy all the parts as spares and build the car yourself, it'll cost you 5 times the cost of the car. Looks like it is more than that here.

On a lighter note, did you opt not to have the 'Internet Inside' sticker? 2.9k for that?! :Shockked:

Totally agree. My only worry is that the first category you mentioned is at least 70% of the market (read Maruti and Hyundai/KIA). Our obsession as a nation with "Kitna Deti Hai" and frugal spares/service is so much more than safety and our lives :Frustrati

An expensive car to purchase will definitely be expensive to maintain/ repair, no two ways about that. Zero Dep insurance is simply a must these days, regardless of the car's price and I would never dare to take my prized posession on the road without ensuring complete peace of mind.

Everything i.e. Zero Dep, Engine Protection, Return to invoice etc may cost a little higher than the regular insurance but its true worth is known in case of an unfortunate event only. I believe we should all be more diligent when making such choices and learn from others to evade such saga.

It’s all round crappy and I’m very sorry this happened to you. Having said which though, I’m not particularly surprised by the cost of repair given the extent of the damage. Works out to about 14-15% of the on road price of the car. I can easily see a similar crash of a Seltos or Creta or any of the 15-20L cars working out to that much or more (percentage wise). Not justifying it from actual material/input cost perspective but just saying it’s not terribly surprising. Fairly sure a similarly priced Audi or BMW would’ve landed you a much fatter bill, not to mention a Fortuner or Endeavour. Again, not to compare brand aspirationality, but just saying hardly a deviation from industry standards. Good luck with closing this and getting on with life man. Just not worth the heartburn I’m afraid. Cheers,

Hello GTO, You are a careful and responsible driver/user, In the 8 years how much and how many times have you claimed from the insurance? And how much have you paid as total insurance in these 8 years?
Not withstanding anything, most of the times accidents happen because of someone else's carelessness or our own reckless driving.

Very sad to see a new car in such dreadful situation. I feel sorry for you.
Iam surprised that you missed to get NIL depreciation on such a high value car!:Frustrati
Even after 5 years, I always go with the insurance companies which offer NIL DEP on my car.
And better avoid government insurance companies for the reasons that they delay the process as well as harass us while settling the claim, especially when the claim value is high.
Hope you get your car home soon.

Mod note: Post trimmed, please avoid Quoting entire large post for a short reply. Thanks.


Can you choose to not have the dicky open/close sensor and the parking sensor to save like 60k? Is this possible?

Holy-Moly...!! This post is a serious eye-opener for people like me, who think its okay to buy a 30-35 lacs car in used car market for 15-17 lacs and live with it happily. Imagine seeing a 6 lacs bill on 4-6 years old car which doesn't have all insurance features(like bumper-to-bumper).! OR imagine if there was no accident but there is a serious issue with engine or gear box after warranty period. :Shockked:

Thank you for sharing.

Well, the biggest source of stress free after sales experience is the right insurance with all bells and whistles included even though it comes at a price.

Touchwood, in my more than decade of car ownership and multiple instances of insurance repairs, I have never even visited the workshop to file a claim, leave apart the follow ups and arranging the logistics as the owner did here.

But here is a question that no one has raised yet in this thread, aren't all type of extra bars/guards(front/rear) illegal in India. As far as I know, they are illegal. So we shouldn't install them on our car at all.

Traffic Police can fine you for installing even a rear guard.

Also, an insurance company might say that you installed rear guard which made car absorb damage in unusual way and so the damage to car was more and try to create problems in claim due to this.

Related team-bhp thread

UP police specifically asked everyone to uninstall front/rear bumpers/crash-guards both just a month back. news link in hindi

Body on frame vehicles have some hardware underneath all that plastic , the rear cross members of the ladder frame is strong enough to support towing loads and therefore can withstand a shunt like this usually better than a crossover.