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  • Rear bar replacement and insurance claim

    Hi there,
    I have just wiped out my rear bumper (my fault). I have comprehensive insurance, and I was wondering if it is possible to get the standard bumper replaced with a kaymar rear bar while going through the insurance, somehow to pay the difference between the new plastic one and the kaymar metal one. Has anybody been successful in doing this?
    Thanks

  • #2
    Your insurance company may ask you to get quotes to fix it from two different places. If this is the case, find places that can do the replacement that also can do the rear bumper.

    Ring your insurance co, they may be happy to work with you. I think it might depend on how the money changes hands. Most body shops would be happy to make some extra $ though and might be able to give you advice on how to handle the insurance company - you might never have to mention the upgraded bar.

    Comment


    • #3
      I doubt the Kaymar is cheaper but you never know. An ARB bullbar can work out cheaper than a genuine front bar so insurance may be happy for you to change.

      Comment


      • #4
        I like your chances. Just be up front. My 'other driver' totalled one of our passenger doors and one step.
        ARB steps ended up cheaper than one plastic one.
        Insurance just paid me in cash for the quoted price of the toyota step, no questions asked.
        but yeah, do ask the quoting repairer for advice on how to word it with the assessor.
        SaltBoxII
        Junior Member
        Last edited by SaltBoxII; 17-01-2017, 09:56 AM.
        2013 Prado 150 Altitude
        ARB Deluxe Winch Bar, ARB Scrub Bars, ARB Steel Steps, HID Converted Roo Lites, TL Grande Winch, Airtec Snorkel, Rock Armour Bash Plates, OME 2" Lift, HR Tow Bar, SBi12 / D34 Dual Battery, On-board Air, Supa-RV Awning, Icom 440N, Cooper AT3s, Straight-through muffler mod.

        Comment


        • #5
          Yeah agreed that most decent insurance companies will be happy to pay you the cash for a quoted repair but I would explain the issue to them first so they know what you are doing.

          Total rear bar cost - insurance payout + excess is what you will pay.

          I have done these types of things several times when I think I can negotiate a better, cheaper deal on a repair and insurers will love it if you can save them money!

          Cheers.

          Kakadu Dave.

          Comment


          • #6
            Consider that depending on the brand and fitment style of your chosen rear bar, you may need some of the original bumper to be used to trim or infill between the vehicle body and the bar.
            cheers
            Troy
            SOUTH AUSTRALIA GATEWAY TO THE OUTBACK!
            2003 GXL V6 AUTO 120 CHAMPAGNE MICA [DUNE]
            LIST OF ACCESSORIES GROWING, WISH LIST SLOWLY DECLINING

            Comment


            • #7
              Originally posted by Borec View Post
              Hi there,
              I have just wiped out my rear bumper (my fault). I have comprehensive insurance, and I was wondering if it is possible to get the standard bumper replaced with a kaymar rear bar while going through the insurance, somehow to pay the difference between the new plastic one and the kaymar metal one. Has anybody been successful in doing this?
              Thanks
              Did you ever end up going through with this?

              Comment


              • #8
                Can't see the issue really, all it comes down to is a cash settlement claim. Then doesn't fall under their "lifetime repair" BS.

                Comment


                • #9
                  no i did not

                  Originally posted by RBJET View Post
                  Did you ever end up going through with this?
                  No I did not, in the end I could not afford even to claim it, let alone do a bar replacement, so I kind of fixed it myself, heat gun, and quite few hours of work, bit of putty, some epoxy etc, it was bit of a learning exercise, it is not perfect, but it will have to do.

                  Comment


                  • #10
                    Cheers for the reply mate. I got hit in the ass so the other guy is paying for it.
                    Sorry to hear you couldn't get it fixed.

                    PS: I called Toyota and they wanted $319 for a replacement bumper.

                    Comment


                    • #11
                      Originally posted by RBJET View Post
                      Cheers for the reply mate. I got hit in the ass so the other guy is paying for it.
                      Sorry to hear you couldn't get it fixed.

                      PS: I called Toyota and they wanted $319 for a replacement bumper.
                      There was some dude selling the bumper for about $150 in Sydney, but when I wanted to get one he said he cannot get them anymore

                      Comment


                      • #12
                        I'm going to test this process as soon as I can find the time to do the whole run around and quote thing. I have the bar quote as the comparison.
                        Luckily my damaged bumper is suitable for the cut in readiness of the Kaymar.
                        New 2015 150s GX 5 seater with floor mats, towbar and a big wish list
                        Previously a 2004 120s 1KZ GX silver manual with stuff
                        before that a 1996 RV6 90S with lots of gear

                        Comment


                        • #13
                          Originally posted by rags View Post
                          I'm going to test this process as soon as I can find the time to do the whole run around and quote thing. I have the bar quote as the comparison.
                          Luckily my damaged bumper is suitable for the cut in readiness of the Kaymar.
                          I will be interested how it turns out, eventually I will get a rear bar, ideally it would be Kaymar, I just do not like the fact that it does not go all the way to the back wheel. Bars that go all the way to the back wheel are mostly custom made, so I am not sure about the quality. There is a lovely bar in USA for the Lexus, which I would love to put on, but too expensive :-( and too hard to get.
                          Who is your insurer?

                          Comment


                          • #14
                            Originally posted by Borec View Post
                            I will be interested how it turns out, eventually I will get a rear bar, ideally it would be Kaymar, I just do not like the fact that it does not go all the way to the back wheel. Bars that go all the way to the back wheel are mostly custom made, so I am not sure about the quality. There is a lovely bar in USA for the Lexus, which I would love to put on, but too expensive :-( and too hard to get.
                            Who is your insurer?
                            NRMA. Note sure what you mean about the Kaymar not going all the way to the rear wheels as on the Prado bar they hang the mudflaps off it so it is pretty dam close to the rear wheels, any closer and the bar would be rubbing on the wheels.
                            http://www.kaymar.com.au/vehicles/to...20July2011.php
                            New 2015 150s GX 5 seater with floor mats, towbar and a big wish list
                            Previously a 2004 120s 1KZ GX silver manual with stuff
                            before that a 1996 RV6 90S with lots of gear

                            Comment


                            • #15
                              On 150 it does, on 120 it does not, and I got 120 :-(

                              Comment

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