Trampoline on next doors car

chanz4

With the wind last night, some how our 12 foot trampoline flew over a wall and landed on their car caussing scratching.

Any idea if contents insurance will cover the third partys car it hit?

geri1965_2

Your contents cover will deal with any claim made against you under the personal liability section.

Whether they pay out or not depends on whether they consider that you are legally liable. It really depends on the strength of the wind and if the incident was foreseeable. I'm guessing it's not usual practice to tie a trampoline down, as they are pretty sturdy and unlikely to fly about in normal circumstances.

chanz4

best of all took 4 of us to lift it off, its a heavy fuber

chanz4

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TSx

Your contents insurance should cover your liaility - as above, this is providing you are held liable, which I can't see you being if it was caused during a storm. Usual process would be for neighour to claim through their car insurance and if they feel you are liable, they will contact you - pass on any correspondence to your insurers.

nearlyrich

I thought our roof was going to land on my car last night it was a wild one!

chanz4

hopefully they will sort it, good neighbours

InsideInsurance

Your insurance will cover what you are legally liable for.

For you to be liable however they will have to show that you were negligent in your actions, ie that a reasonable person would either not have such a thing in their garden, would have somehow anchored it to the ground or have taken it inside.

If they are unable to prove your negligence then it is a matter of it being an Act of God which will be covered by their car insurance (assuming it is comprehensive) but will not be able to make a claim against you and so count as a fault claim against their policy.

On the basis of the size and weight of it, from what you say, it is likely it will be decided that it was reasonable not to have it anchored and so no liability on your behalf.

molerat

Why do they sell anchor kits then ? I feel that anyone who has not anchored a trampoline is negligent. A tree blowing down or roof blowing off is not normally preventable, a trampoline blowing away normally is.

Bean_Counter

geri1965 wrote: »

I'm guessing it's not usual practice to tie a trampoline down, as they are pretty sturdy and unlikely to fly about in normal circumstances.

I must admit that we have our 14 foot trampoline tied down to be on the safe side because of this very reason.

I do realise that this post will be of no help whatsoever to the OP but just wanted to show that some do tie down their trampolines.

chanz4

Never thought todo it been honest, instructions dont say to and would of thought with the weight of it would be fine. The insurance have said that its upto the other party to write a claim in, but unless negligent he would have to claim from his own.