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Strimmer smashed Sunroof, who pays?
Comments
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This is poor advice. As the OP is only making a glass claim, is it intended as general advice to all of us as well?
When you have an incident you want to claim over, then you are bound by your policy conditions to make the claim as soon as possible. Additionally the third party may claim against you, and the first notification your insurer gets could come from the third party.
You say we should wait till our insurer has got paid by the third party before we make a claim?? But how can that possibly happen?
Read it again.
I advised not to make any sort of claim that risks inuring a temporary NCB loss, and specifically stated that a glass claim wouldn't do this.
If the OP is going to have insurance pay for the repairs and then go after the third party then the OP will lose 2 years of her NCB until such time as the third party pay out.
This means when she switches insurer, she will have to declare 3 years less NCB than if she had not claimed.
In the best case scenario the case will be resolved before the next years insurance is up in which case, upon seeing proof that the case is resolved should restore the missing 3 years NCB and refund the difference in premium.
However if the case is not resolved within the year then the OP will then be stuck with that lower NCB, will never get that year's premium restored and will have a hell of a time trying to get those 3 years added to her current policy.
Given the impending renewal, my advice would be to pay for the repairs out of her own pocket (either to the insurer or directly to the repairer) and then use legal assistance to go after whoever she feels is responsible for the damage. This way the NCB is not jeopardised.0 -
5 phone calls between myself,Autoglass, Engineer.
Engineer said it was ridiculous I had been told the car had to be inspected, he has given authority for the repairs to go ahead without inspecting it. Autoglass (local branch) have now paid for the glass and it will arrive in the UK on the 28th.
Now that is all sorted out, I can continue with the local council and where to go with this. Wether I can prove this happened is really not a concern anymore, i can prove however that she was strimming the verge.
My grieviance now that the insurance part is sorted out,is really that this woman should not have been strimming on a public highway without the necessary precautions and permission. If I get my excess paid, brilliant, if they get slapped wrists, still good, as it could have been much worse than my sunroof, it could afterall have been something flying through an open window and into an eye! not a pleasant thought.0 -
Given the impending renewal, my advice would be to pay for the repairs out of her own pocket (either to the insurer or directly to the repairer) and then use legal assistance to go after whoever she feels is responsible for the damage. This way the NCB is not jeopardised.
No.
Insurance claims often take a long time to conclude the liability issue. Usually NCD is reduced until the matter is resolved and the insurer has been fully reimbursed.
It is poor advice to say don't claim until you have changed insurer.
The correct advice is to tell any new insurer the circumstances, and ensure they will adjust your premium should your NCD be reinstated.
In the case being discussed here, there is a windscreen claim only, and as previously posted, this incident (although it won't normally affect NCD) must be declared to any new insurer.0 -
No.
Insurance claims often take a long time to conclude the liability issue. Usually NCD is reduced until the matter is resolved and the insurer has been fully reimbursed.
Correct, this is exactly what I said.It is poor advice to say don't claim until you have changed insurer.
I did not say this. I said do not put in any form of claim AT ALL that will result in an NCB reduction.The correct advice is to tell any new insurer the circumstances, and ensure they will adjust your premium should your NCD be reinstated.
This is true but I know from bitter experience that if the old insurer does not resolve the claim during the year that you are with the new insurer then that NCD is gone, for good.In the case being discussed here, there is a windscreen claim only, and as previously posted, this incident (although it won't normally affect NCD) must be declared to any new insurer.
And as I said, a windscreen claim is fine, however if the OP decides to have their insurers pursue someone for the full damages then this could quickly get ugly and result in an NCD loss that will cost her a lot more than the windscreen excess.0 -
I said do not put in any form of claim AT ALL that will result in an NCB reduction.
You never shouted "AT ALL" at all, but it's immaterial. You actually said:If your insurance is so close to renewal think twice about putting in any sort of claim that will count against your NCB until they successfully get payment out of somebody
Which was the poor advice which prompted my post.
As already posted, it is poor advice because you are bound by your policy to make claims asap, if you don't make a claim your insurer has no-one to chase for payment, (so how will you ever know your NCB is safe?), you have to declare the incident anyway to a new insurer, etc0 -
You never shouted "AT ALL" at all, but it's immaterial. You actually said:
So "think twice about putting a claim in" suddenly means "put your claim in a bit later"?
You are right that insurance claims should be submitted in a timely fashion, but you are not required to make an insurance claim at all.
My suggestion was that the OP might like to consider paying for the repairs herself and then chase up the nursery outside of the insurance system, eg. small claims court, in order to avoid being financially penalised by NCB related shenanigans if the claim gets dragged out for more than 1 year and 8 days.0 -
5 phone calls between myself,Autoglass, Engineer.
Engineer said it was ridiculous I had been told the car had to be inspected, he has given authority for the repairs to go ahead without inspecting it. Autoglass (local branch) have now paid for the glass and it will arrive in the UK on the 28th.
Now that is all sorted out, I can continue with the local council and where to go with this. Wether I can prove this happened is really not a concern anymore, i can prove however that she was strimming the verge.
My grieviance now that the insurance part is sorted out,is really that this woman should not have been strimming on a public highway without the necessary precautions and permission. If I get my excess paid, brilliant, if they get slapped wrists, still good, as it could have been much worse than my sunroof, it could afterall have been something flying through an open window and into an eye! not a pleasant thought.
Cant believe you are going to try and get them in trouble, Do you report every misdemeanor you see
Why not just leave it to your insurers
To much Health and Safety in this country0 -
Seems to be two separate issues here……
Unauthorised strimming on a council owned verge
Broken sunroof maybe caused by the above.
For the first your going to have to persuade your local short of money council to take action against someone for cutting council grass without permission, for the second you need to prove that the strimmer user was negligent and caused the damage to your car.
I’d be staggered if the council were interested (and angry if my council wasted money on something like that) and in the absence of the offending stone I think you’re going to struggle on the glass claim.
Did you answer my earlier question about whether it was an industrial strimmer with a metal blade or a domestic one with a rotating bit of string?
Some distances would help too, how far away from the strimmer was the car and were they both at the same level?0
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