Car dented by falling slate.

MX5huggy

:mad: the wind dislodged a slate from the roof of the house I rent. Dented my 15 month old Skoda bonnet.

Would a claim to the Landlords insurance be entertained by them?

I won't be claiming on my car insurance.

BTW the house is only 4 years old, it was one of the slates on the last row before the ridge, the bit that came down may have snapped off or it was never nailed to the roof only held with cement and the ridge tile.

Foxy-Stoat_3

I would say yes, keep the fallen slate and photograph the damage. Ask you LL for his buildings insurance details and send a copy of the repair estimate and photograph of the damage and fallen slate to the insurance company and LL's home address.

vaio

The house insurance will pay up if you can prove negligence on the part of your landlord.

In the interests of landlord-tenant relations it might not be a path worth going down and that’s before you add on the costs of the expert reports you’ll need and the loading you’ll get on you car insurance premium when you have to declare a non fault accident for the next 3/5 years

colino

Where is the car dented? If it is the roof on such a new car you will want to involve insurance as a proper repair will be surprisingly expensive!

Foxy-Stoat_3

Doubt a claim on a buildings insurance policy for damage will make any difference at renewal time for the OP, but I'd pay the "loading" of £6 for a few years over a dentrd/scratched bonnet on a 2 year old car.

If it was the other way around and your roof slate hit the neighbours car you can bet they will be knocking on your door!

MX5huggy

colino wrote: »

Where is the car dented? If it is the roof on such a new car you will want to involve insurance as a proper repair will be surprisingly expensive!

There was a clue in the OP

Dented my 15 month old Skoda bonnet

MX5huggy

Foxy-Stoat wrote: »

Doubt a claim on a buildings insurance policy for damage will make any difference at renewal time for the OP, but I'd pay the "loading" of £6 for a few years over a dentrd/scratched bonnet on a 2 year old car.

If it was the other way around and your roof slate hit the neighbours car you can bet they will be knocking on your door!

Buildings policy would make difference to me as it is not my buildings policy.

If I claim on the car insurance I would expect more than a £6 loading my insurance is due for renewal it will cost me £206 that's before I shop around.

Foxy-Stoat_3

I meant declaring a non fault incident if you claimed on the LL buildings insurance will have little or no effect on your car insurance at renewal.

I had a non fault accident and after price web sites with and without the non fault claim the premiums went up by around £6.

If you claimed on your car insurance and they couldnt recover all the losses from the LL's buildings insurance then it would go down as a fault claim with your excess to pay and a greater loading - but you stated that you wouldnt go down that road.

MX5huggy

vaio wrote: »

The house insurance will pay up if you can prove negligence on the part of your landlord.

In the interests of landlord-tenant relations it might not be a path worth going down and that’s before you add on the costs of the expert reports you’ll need and the loading you’ll get on you car insurance premium when you have to declare a non fault accident for the next 3/5 years

There is no negligence unless the LL should be up there every year checking each tile, it can only be described as a new roof (well 4 years old). If the top tile was not nailed the builder might be negligent.

marlot

As you say no negligence on part of LL, you have no grounds to claim from him or his insurance. As you say, there may be a possible claim on the builder, but again you'll have to show negligence

MX5huggy

Foxy-Stoat wrote: »

I meant declaring a non fault incident if you claimed on the LL buildings insurance will have little or no effect on your car insurance at renewal.

I had a non fault accident and after price web sites with and without the non fault claim the premiums went up by around £6.

If you claimed on your car insurance and they couldnt recover all the losses from the LL's buildings insurance then it would go down as a fault claim with your excess to pay and a greater loading - but you stated that you wouldnt go down that road.

Thanks for clarifying, my excess is £500 or so, so I won't be claiming on mine.