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Friday, February 8, 2013

highest repair claim ever paid for a car - Rowan Atkinson's McLaren F1

Bread and butter for Insurers – in Motor Insurance, there is IMT 23 – which primarily is ‘own damage cover for lamps, tyres / tubes, bumpers, headlights, and paint work of damaged portion’……….. there is something known as measure of indemnity i.e., the extent to which Insurers would be liable !

Here is something connecting an Hollywood actor with Motor Insurance.  Heard of Mr. Bean ~  a British comedy television programme series of 14 twenty-five-minute episodes written by and starring Rowan Atkinson as the title character.  The pilot episode was broadcast on ITV in January 1990,  and ran till Oct 1995. It’s hero – Rowan Atkinson [Rowan Sebastian Atkinson] is an English actor, comedian, and screenwriter.  He has been listed in The Observer as one of the 50 funniest actors in British comedy  and amongst the top 50 comedians ever, in a 2005 poll of fellow comedians. It is not his acting skills that is in news now but the accident involving his McLaren F1 which has dented his Insurers so badly that it is reported as one of the biggest car insurance bills ever recorded in Britain, a claim of over £900,000 [Rs.7.60 crores]  towards repair charges.

It is reported that the ‘Mr Bean star’ had a shoulder injury when he crashed the car into a tree.  Daily Mail reports that the  total bill for the work came to £910,000, which is three times as much as the previous record-holding insurance payout by Aviva in 2010.  The car, bought in 1997, was bought for £640,000 by the Blackadder actor, and the unnamed insurance company gave the go-ahead for the repair work as the F1's value has increased dramatically since then. One car in perfect condition sold for £3.5 million last year.

The accident is reported to have occurred in Aug 2011 and now 16 months after the accident, the car enthusiast is back in the driving seat, which he described as like "putting a familiar sweater on’.  Perhaps his shoulder injury healed sooner than the 240mph supercar which took a year at the hands of McLaren's technicians. 

Atkinson, worth a reported £71 million, paid £640,000 for the motor - one of only 64 built by McLaren - in 1997. He hit a slippery patch of road near Peterborough in August 2011 and lost control of the F1, hitting a tree. The car's 6.1 litre engine was left 20 yards away from the rest of the vehicle after the crash.  It is stated that the  rare supercar,  can command up to £3.5 million thanks to its limited production of 64 cars.  When he crashed the car he had driven it 38,000 miles and he is adamant it will be used regularly as he targets 100,000 miles - a huge distance for a rare supercar.

The Insurance market there appears quite firm going by the reports that Atkinson could face an annual bill of £38,000 [Rs.32 lakhs approx] to insure his McLaren F1 following his crash, according to a mock quote by a specialist insurance firm. That is not all, as this would carry a very high excess too…….. good news for Insurer !?!.. An Insurance Expert is quoted as saying ‘Any supercar worth £3.5 million will have a high premium but because of the nature of the owner's occupation as an entertainer and his previous claim it is going to cost a large amount of money’.

For those interested this is a Car which can accommodate 3 with driver centrally positioned.   McLaren F1 is a sports car designed and manufactured by McLaren Automotive. On 31 March 1998, it set the record for the fastest road car in the world, topping at 231 mph (372 km/h) with rev limiter on, and 242.95 mph (390.99 km/h) with rev limiter removed.  The car features numerous proprietary designs and technologies; it is lighter and has a more streamlined structure than many modern sports cars, despite having one seat more than most similar sports cars, with the driver's seat located in the centre.

It is stated that McLaren boss Ron Dennis gave Murray a box of blank cheques to create the best car ever and that ‘when you lift the engine cover you will see gold foil covering many components, protecting them from heat.’ Any quote from my Insurance friends reading this……..or are some already standing  in Queue bidding to offer insurance for the car…..

With regards – S. Sampathkumar
7th Feb 2013.
Damaged photo courtesy :; other photos –


  1. OMG! that's a huge amount!
    Would really like to know the insurance company who covered such big amount.

  2. The sort of glass is precisely the same one that was initially introduced in the vehicle. пране на фотьойли