Contaminated Diesel Insurance

Suncorp in Qld will pay out for engine damage due to dirty fuel, I have claimed and been payed, no question asked. All I had to have was a statement from repairer verifying my damage.

Rosco,

Just looked at the FM100 and the fuel flow volume. 300 ltr/hr.
How do you determin the fuel flow rate? This sounds high but I am uncertain how to determin flow back.

Not exactly sure myself Hugh, but people like Diesel Care who sell the units could best advise on which unit would suit. Or if it's for the Landy you could try aulro.com as there are heaps of lads in the know there.

G'day Rod

The standard fuel filtration should, by all accounts, be adequate.
Those that have added an additional filter are merely hedging their bets due to the fact common rail diesels are very expensively susceptible to dodgy fuel.

Perhaps it's more about peace of mind, but I for one would far rather catch any crud or water as soon as possible.

Having said that, you must be mindful you don't introduce any restrictions to the flow rate of the fuel as that can also cause problems. Due to their design, common rails pull up a heap of fuel, a significant volume of which is returned back to the tank via return lines and usually a heat exchanger as it can be very hot after being compressed to a zillion psi.

So if an additional filter is added, hose size and filter micron size need to be taken into account. These aspects are adequately covered by the reputable mobs that flog the extra gear e.g. Diesel Care et al.

rodnirene
If your house just sits there and is used with no insurance then all is well, until the unexpected happens. Then all is not well.
With a CRD system all is well with normal use but there can be the unexpected.
An additional/pre filter which dewaters and catches fine particles is an insurance policy which allows the House to continue relatively unaffected.

With insurance you have some protection.ie risk management.
There are a number of filters available, some better than others, some more expensive. All filters have to be periodically replaced and the system bled before restarting.

Cheers
Ross M

Kevin,
it is so frustrating with who says what. I see above that suncorp covered a vehicle for contaminated fuel, and when you read their policy they say they don't cover it.

I contacted them a couple of times and their answer was. We don't cover damage caused by contaminated fuel.

For a bit of info could you post who covered you for the fuel problem.

I went with AAMI. Agreed value, written confirmation that they cover for contaminated fuel and cover for off road. Not saying they are the best, but they ticked all of the boxes and were extremely competitive. When this was discussed on other threads people came up with other companies that also seemed very good. Like I said, I hope I never have to make a claim. Kevin

Kevin,
Thanks. I have just emailed them and asked the question of both them and suncorp.

As for your concern about the AAMI. They are owned by Suncorp and they seem fine regarding claims.

Heres my reply from AAMI. Not really definite for me but what you can you do?

As received from AAMI -
"Hi Bill,

Thanks for emailing us.

If the correct fuel was used and contaminated and it was found to be the cause of engine failure or write off, we would take it into 'claims for consideration'. This would require a thorough investigation, which would include sampling the fuel and letters and reports from the petrol station/company involved.

We understand that you have concerns with this specified situation and can assure you that you would be covered if it was found that the contamination was at no fault of your own.

I hope you have a lovely weekend and if you have any further enquiries, please do not hesitate to email us at anytime. "

....................................................................................

Won't really know until I get involved in the process. Hope not to....

bill

You are quite right, never get one answer. The AAMI call center told me no but the AAMI Claims Assessment center said yes.

Irrespective of what is communicated if an circumstance like contaminated fuel is not covered as an exclusion in the PDS then you are covered no matter what the insurance company says but it might cost a bit to legally force them to pay up.

Garry

What is an Internet insurance policy??

So no different to any other car insurance company.

Thanks, everyone. That's one more problem resolved.