Bent garage door, where to claim.

ken0062

Hi

Whilst working on my car this afternoon the handbrake cable snapped causing the car to roll forward down a slope and strait into my garage door, there was virtually no damage to the car but the garage door is badly bent.
Am I likely to be able to claim against my home insurance company although I did not take out the accidental damage option, if not is it going to be possible to claim on my car insurance for the garage door.
or can anyone suggest any other way of sorting it out, It looks like a new door is around £1100.

Thanks

Lorian

You are not going to be able to claim on you house insurance, you need to read your car insurance policy in detail.

FlameCloud

Lorian wrote: »

You are not going to be able to claim on you house insurance, you need to read your car insurance policy in detail.

Any reason why not?

dacouch

which home insurer are you with?

ken0062

dacouch wrote: »

which home insurer are you with?

I am with admiral

dacouch

The car insurance does not normally cover damage to the owners home

ken0062

So it could be that I can not claim on any of them

Lorian

FlameCloud wrote: »

Any reason why not?

Because he said he doesn't have accidental damage cover, presumably for buildings.

dacouch

I can't find a Policy booklet on the Admiral site so cannot give an indication as to whether it is covered or not. If you had accidental damage cover then it would normally be covered, you may have some cover under your home insurance for "Impact" damage so it might be worth ringing them. If they say its not covered you can try your car insurance but they normally will not cover damage to your own home by your vehicle

FlameCloud

Lorian wrote: »

Because he said he doesn't have accidental damage cover, presumably for buildings.

A standard buildings policy will cover for impact damage, so he wouldnt need AD cover.

Atermis

at the very least your car insurance company will want to find out why the cable snapped before they will indemnify you.