my child broke fireplace at friends house

huckster

Of course accidental damage by temporary visitors is covered, if you have accidental damage cover.

If you were holding a party at your house this Christmas and a friend damaged something accidentally, you would not be happy if your Insurers refused to pay out.

So a claim could be submitted by the OP's friend to their Home Buildings Insurance provided that they had AD cover and the value of claim was above the level of excess.

poet123

huckster wrote: »

Of course accidental damage by temporary visitors is covered, if you have accidental damage cover.

If you were holding a party at your house this Christmas and a friend damaged something accidentally, you would not be happy if your Insurers refused to pay out.

So a claim could be submitted by the OP's friend to their Home Buildings Insurance provided that they had AD cover and the value of claim was above the level of excess.

But as a parent you would still offer.

oneeye1

ok t seems as tho some think we are vermin and shud be hung drawn and cut in to pieces and sent to the corners of the kingdom.
i suppose the main reason for wanting too get some feed back are as follows, at my house we have a lock on the 1 room where i wouldnt want kids if no one is in there its locked.in the rest of our house especially the family/kitchen area we have purposly not bought expensive things as we know with kids there is no point,and heres the big one if i had left something (bearing in mind our friend has a 2 year old aswell) at ground level what cud cause damage/harm id feel stupid about it,and i would nt be charging my mate ,i do agree its our child and we are ultimatly responsible .

thanks for the responses

cte1111

I'm a bit surprised about the responses too. I would ask your friend how much it's going to be and if it is more than you can afford, ask them if they could think about claiming on their insurance.

I wouldn't expect friends to pay if their children broke something in my house, not something big like this.

warehouse

flossy_splodge wrote: »

Astounding that you should even ask.
Your child, your responsibility.

This. Don't even think about trying to wriggle out of it, you pay up 100% and you pay yesterday!

oneeye1

warehouse wrote: »

This. Don't even think about trying to wriggle out of it, you pay up 100% and you pay yesterday!

cheers for that

Oldernotwiser

oneeye1 wrote: »

ye s our child was in my wifes charge and too be fair to her she is extra cautiose all the time ,this took a second too happen.as stated when going to this friends house she has been told not too worry its child proof .
luckily it didnt land on his foot

That last comment says it all really!

no-oneknowsme

OP , you keep going on about how your wifes friend assured your wife that her house was "childproof".

Its entirely up to the friend what she has in her house . If she wants to have heavy ornaments etc in her home then she has every right to !

The fact that your child hasnt been taught not to touch things is your fault and no-one elses.

And before anyone asks about my kids...i have three !

diable

deduct the money from the child benefit that you are saving for him every month for his Uni fees

poet123

poet123 wrote: »

But as a parent you would still offer.

Actually, I need to rephrase that; But as a parent you should still offer....