Excess - Us or landlady?

tenmah

She is lovely and has been more than fair on everything. I am really not trying to do her out of anything, just seeing things from my own point of view really.

That is why I asked on here to get other perspectives!

She is also paying for the delivery and the collection of the old cooker so as I say she is more than fair.

I have just been thinking out loud really and I realise there is no easy answer to this, but we are helping her by buying the cooker and not expecting her to claim on her insurance

The upgrade is only a few pounds more, as the cooker she wants is £180 so I am just talking in general.

tenmah

tbs624 wrote: »

No shouting but your LL sounds very reasonable. You have admitted that your own actions/omissions caused the damage - it is clearly right and proper that you pay the costs for reinstating the LL's property one way or another.

It's interesting that you commented on the fact that if you claimed on your own tenant insurance then your premiums would go up the following year, in addition to having to pay an excess, but you didn't seem to have registered that this too would the the case for the LL if she were to claim on her LL insurance. That said, she can set such costs against rental income for tax purposes.......;)

However, I'm always amazed by LLs who don't provide basic smoke alarms, fire blanket and fire extinguishers, under their basic "duty of care" to their T and to limit the potential of more extensive damage incircumstances such as yours.

No this is not quite right - we have told her not to claim as she will lose her no claims bonus etc, so we are trying to be as reasonable with her as she is with us.

I just wondered originally if it was something a LL had to 'put up' with when you had tenants, but from the replies I have had I realise this is not the case and I have taken on board everything everyone has said.

I admitted it was my error (albeit accidently) and understand why that means the LL should not be out of pocket, but it just seems a lot of money for me to pay out on something I won't own - but I also said there is no definitive answer on this either!

sooz

tenmah wrote: »

I admitted it was my error (albeit accidently) and understand why that means the LL should not be out of pocket, but it just seems a lot of money for me to pay out on something I won't own - but I also said there is no definitive answer on this either!

Then claim on your own insurance. That is what it is there for.
I think you are lucky that the oven she had was under £200.
As others have said, watch out for the installation cost. Here, my corgi (now crapita) man charges £60 per half hour. Plus the same again for a new certificate.
Are you sure once you add all the costs up it's not worth claiming on your insurance?
As for the warranty, if her oven was only a few months old, & had a 3 year warranty, she should be getting the same benefit with the new one. If you were to buy one with a shorter warranty, & it broke in the time you were still living there, then what would happen?

If she claims, she is responsible for her own no claims bonus (or loss of). You would only have to pay the excess. I'd let the insurance co. deal with it - either yours or hers