claim on house or car insurance?

cot1198

I have just run in to my garage door with my car my drive is on a slope and it was iced up, the car slid about three foot and banged into my garage door. There is no damage to the car but the garage door is slightly twisted and dented. Can I claim on either my house or car insurance, I'm fully comp on my car insurance

dacouch

It should be covered on your Home Insurance.

This is the cheapest way to claim as your excess (The amount you pay in the event of a claim) should be around £50 and generally one claim tends to put your Insurance up by around 15% for 2 or three years.

I would suggest you get a quotation for the repairs and take it from their

cot1198

thanks for that, I will

Smi1er

But can't the home insurers chase the car insurers for the damage caused?

cot1198

I don't think so, not if I'm claiming accidental damage. I could have pranged it with a ladder or anything it just happened to be my car.
If I slipped on the ice with a ladder and smashed a car window belonging to another party would their insurance company be able to come after my home insurance as the ladder is covered under that policy?

ben500

The claim should be made against your motor policy not your household policy, this is a motoring accident and not accidental damage, the proximate cause of the accident is that of the moving vehicle not the placement of the garage door, primary insurer is the motor insurer.

dacouch

ben500 wrote: »

The claim should be made against your motor policy not your household policy, this is a motoring accident and not accidental damage, the proximate cause of the accident is that of the moving vehicle not the placement of the garage door, primary insurer is the motor insurer.

It is cheaper to claim on the home insurance policy as it will have a smaller excess and smaller subsequent increase in premium and easier to have the work repaired.

Home Insurers often pay often pay out for impact damage from vehicles.

In addition his car insurance him for damage to third parties or third party property, he is not a third party as he owns the car and house

ben500

dacouch wrote: »

It is cheaper to claim on the home insurance policy as it will have a smaller excess and smaller subsequent increase in premium and easier to have the work repaired.

Home Insurers often pay often pay out for impact damage from vehicles.

In addition his car insurance him for damage to third parties or third party property, he is not a third party as he owns the car and house

You seem to be making an assumption that the op only has third party cover and not f/comp. Yes a home insurer will pay out for impact damage by vehicle if the vehicle owner is not known or untraceable or to later recover from the motor policy, however the op has had a collision in his car and as a result his motor insurers are the primary insurer. He could well make a claim but it is likely he will be refered to his motor policy. As for it being cheaper it is not his choice but the obligation of the insurers which dictate whom is responsible for the damage.

dacouch

He has no damage to his car, just damage to his garage door...

The damage to his garage door is irrespective of whether he has comprehensive or third party only or tpf&t cover

ben500

dacouch wrote: »

He has no damage to his car, just damage to his garage door...

The damage to his garage door is irrespective of whether he has comprehensive or third party only or tpf&t cover

What difference does it make if his vehicle isn't damaged? The vehicle caused the damage to the stationary garage door.

dacouch

ben500 wrote: »

What difference does it make if his vehicle isn't damaged? The vehicle caused the damage to the stationary garage door.

His vehicle insurance covers him for damage to other people or other peoples property caused by the vehicle. The garage door belongs to him and not someone else so he cannot claim under the third party liability section of his policy.

This is the dictionary definiation of "Third Party"

third party noun [C usually singular] LEGAL
a third person or organization less directly involved in a matter than the main people or organizations that are involved

He cannot sue himself for damage he caused to his own property while driving his vehicle that is also his own property.

His best bet is to claim off his home insurance, a company like Zurich should pay this out quickly and efficiently and it will cost him less in excesses and increased premiums.