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  • FIRST POST
    • frugalfiz
    • By frugalfiz 6th Sep 17, 6:16 PM
    • 35Posts
    • 7Thanks
    frugalfiz
    Car damage from house tile - which insurance pays?
    • #1
    • 6th Sep 17, 6:16 PM
    Car damage from house tile - which insurance pays? 6th Sep 17 at 6:16 PM
    We had a roof tile blow off and damage the bonnet of husbands new Maserati Levante. He is very unhappy!

    He has no claims protection on the car, and we have an Aviva Prestige buildings insurance policy. Which would be the best insurance to claim off?

    Don't want to call them just yet as I know some insurance companies penalise you for something that might lead to a claim even if you don't claim!

    Thanks for any advice...
Page 1
    • Quentin
    • By Quentin 6th Sep 17, 6:32 PM
    • 32,726 Posts
    • 16,745 Thanks
    Quentin
    • #2
    • 6th Sep 17, 6:32 PM
    • #2
    • 6th Sep 17, 6:32 PM
    If he claims off his car insurance he will pay his excess

    Whether protected or not no NCD will be awarded for the current policy year

    Going forward he will have a fault claim to disclose when getting cover over the next 4/5 years.
    • Aretnap
    • By Aretnap 6th Sep 17, 9:37 PM
    • 2,719 Posts
    • 2,162 Thanks
    Aretnap
    • #3
    • 6th Sep 17, 9:37 PM
    • #3
    • 6th Sep 17, 9:37 PM
    Your home insurance policy will not cover damage to the car. So if you want to claim, car insurance is the only option.
    • paddyandstumpy
    • By paddyandstumpy 6th Sep 17, 9:55 PM
    • 784 Posts
    • 322 Thanks
    paddyandstumpy
    • #4
    • 6th Sep 17, 9:55 PM
    • #4
    • 6th Sep 17, 9:55 PM
    As above, I'd not expect your home insurance to pay for damage to your own car. You're (including your husband) not a third party, so the home insurer isn't liable.
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