On the subject of cracked front and rear panels does anyone know what the Administrators are doing with all the spares? Maybe a brave Lunar Dealer could buy them??
Raywood said:The problem for the dealer is that no matter how well they examine the caravan before they sell it they will not be able to predict things like the panel cracking but under the CPA they can still be liable for the repair.
Dustydog said:Being an eternal optimist there is or was nothing stopping the Adminstrator seeking a one off insurance policy to cover future warranty and guarantee claims. They have access to all Lunar’s data and will know year on year how much has been paid. No different to an extended car warranty etc.
That’ a rather pessimistic view Prof. The reality is there are a number of Insurers willing to underwrite extended warranties on caravans. Who pays is up for discussion. The purchaser? The selling Dealer? Or the new Manufacturer Owner, including the Administrator. I am sure you will agree there is little point buying a business with all the good will down the pan.ProfJohnL said:Dustydog said:Being an eternal optimist there is or was nothing stopping the Adminstrator seeking a one off insurance policy to cover future warranty and guarantee claims. They have access to all Lunar’s data and will know year on year how much has been paid. No different to an extended car warranty etc.
Hello Dusty there is one big problem with that, and that is who would pay for the insurance premium? the main reason a company goes into administration is . there is no space capitol to run the business yet alone to purchase a new insurance policy.
These policies are actually quite difficult to set up, as the insurer needs to look back through the data to work out how much warranty work is required on average per caravan, and what particular quirks may have arisen with particular models. they need time to crunch the numbers to establish the likely liabilities, and to work out how much it will cost to administer. The insurer would also need to know the scheme would be financed going forward.
Its very unlikely an administrator would be interested in doing that yet alone having the finance available to achieve it. After all their prime objective is to either find a buyer or to liquidise its asserts to pay its creditors
Who pays?ProfJohnL said:Pessimistic it may be, but that is the reality.
No insurer will want take on the risk of underwriting a warranty scheme until they know who is going to pay for it.
Dustydog said:Who pays?ProfJohnL said:Pessimistic it may be, but that is the reality.
No insurer will want take on the risk of underwriting a warranty scheme until they know who is going to pay for it.
Surely the Insurer. Isn’t that the principle of Insurance??
ProfJohnL said:Dustydog said:Who pays?ProfJohnL said:Pessimistic it may be, but that is the reality.
No insurer will want take on the risk of underwriting a warranty scheme until they know who is going to pay for it.
Surely the Insurer. Isn’t that the principle of Insurance??
Who pays the premium to set up the policy? The administrator has no funds, as that is the reason for Lunars demise, No premium paid, no policy will be underwritten.
Prof,ProfJohnL said:Yes Dusty you did suggest other parties, but why would they? It would be money out with no realistic return. Let me ask you this Would you insure my car for me???? I do hope so B)
woodsieboy said:So for anybody that has been following our story so far, we have now got rid of our Lunar with the cracked end panel, and although we really liked the inside of the van layout etc, having looked at other vans Lunar did manage to make best use of the interior space, with cupboards and lower height microwave and so on,.we managed to find a dealer nearer to home that took it in complete with cracked panel and although we took a financial hit it has gone, and we have an ex demo Swift sitting in the space where the Lunar used to be, We have put the whole episode down to bad luck and moved on. We have made our feelings known to the original supplying dealer, and they continue to e mail us with their offers,the Lunar was sold within 4 days and we have no idea whether the crack was repaired.Lessons learned? You never know how good or bad your dealer is until you need them, perhaps we have been lucky in the past, or were vans better built? We are looking forward to using the new van, and as the roof, sides and end panels are GRP with no wood construction apart from the floor we hope it should be Ok,and should any cracks appear they should be easier to repair than the ABS on the Lunar.
woodsieboy said:Hi Clive
Yes the dealer we traded the van in to was well aware of the crack, we were upfront at first point of contact, and showed them the pictures that we had originally supplied to the original authorised Lunar repairer. Our thinking was that the dealer would spot the crack at trade in and any deal we had done would have been reduced to allow for it.
As to the quality of the repair I investigated getting the panel repaired by plastic welding as it would have been cheaper and more local to us, both the original Lunar repairer and a second independent repairer told me the whole panel needed to be replaced to ensure a lasting repair.This involved removing the awning rail and that was part of the problem ref parts. I maintain that the offer from the supplying dealer failed to meet their obligation under CRA, and to take it back to them involved an 8 hour round trip minimum, and the same again to collect repaired van, add in that we are self employed so would lose 2 days work and money,add in that the last caravan we had went back to supplying dealer for damp repair and 18 months later was damp in same area so the upshot was we found a dealer nearer to home and bit the bullet,just cling to the hope that the new van will be less of a problem and that Swift Group remain in business!
woodsieboy said:Hi Clive
Yes the dealer we traded the van in to was well aware of the crack, we were upfront at first point of contact, and showed them the pictures that we had originally supplied to the original authorised Lunar repairer. Our thinking was that the dealer would spot the crack at trade in and any deal we had done would have been reduced to allow for it.
As to the quality of the repair I investigated getting the panel repaired by plastic welding as it would have been cheaper and more local to us, both the original Lunar repairer and a second independent repairer told me the whole panel needed to be replaced to ensure a lasting repair.This involved removing the awning rail and that was part of the problem ref parts. I maintain that the offer from the supplying dealer failed to meet their obligation under CRA, and to take it back to them involved an 8 hour round trip minimum, and the same again to collect repaired van, add in that we are self employed so would lose 2 days work and money,add in that the last caravan we had went back to supplying dealer for damp repair and 18 months later was damp in same area so the upshot was we found a dealer nearer to home and bit the bullet,just cling to the hope that the new van will be less of a problem and that Swift Group remain in business!