Rip Off

jacqui2x

During the recent bad weather and strong winds my new car got damaged in my driveway when my neighbours garage collapsed . My insurance paid for repairs , but said I had to pay excess as they couldn't claim my neighbours insurance as they said it would be classed as an Act of God , so due to no fault of mine I'm out of pocket to the tune of £200.00 quid ,plus it has increased my No Claims, which seems pretty unfair. Could I claim back the excess and if so , how. Thanks.

Torry_Quine

There's no-one to claim the excess from I'm afraid. Did you have no claims protection as that would stop you loosing your NCD?

dunstonh

Rip Off

Your thread says rip off but nowhere in your post does it say what is a rip off.

so due to no fault of mine I'm out of pocket to the tune of £200.00 quid ,plus it has increased my No Claims, which seems pretty unfair.

Whilst some people seem to think that where there is a claim there is blame, that is not always the case. You are welcome to try and claim back the money from the church

davemorton

To be fair, I have wondered this. Next door have a HUGE chimney, that if it fell, could demolish part of my house and definitely my car if it is parked there, so would I have to pay any excesses if it blew down, even if that was due to lack of maintenence from themselves (ie. pointing and the like).??

Torry_Quine

davemorton wrote: »

To be fair, I have wondered this. Next door have a HUGE chimney, that if it fell, could demolish part of my house and definitely my car if it is parked there, so would I have to pay any excesses if it blew down, even if that was due to lack of maintenence from themselves (ie. pointing and the like).??

It it could be proved that lack of maintainence was the cause then you would have a claim against them.

davemorton

Torry_Quine wrote: »

It it could be proved that lack of maintainence was the cause then you would have a claim against them.

Cheers, although I expect that could be hard to prove once it has blown down.

tifo

jacqui2x wrote: »

During the recent bad weather and strong winds my new car got damaged in my driveway when my neighbours garage collapsed . My insurance paid for repairs , but said I had to pay excess as they couldn't claim my neighbours insurance as they said it would be classed as an Act of God , so due to no fault of mine I'm out of pocket to the tune of £200.00 quid ,plus it has increased my No Claims, which seems pretty unfair. Could I claim back the excess and if so , how. Thanks.

You could try and sue the neighbour whose garage it was. It shouldn't have collapsed if maintained properly which is their responsibility.

I can understand fences etc collapsing but a garage is meant to be solid.

Most insurance companies become 'religious' when they need to.

_Andy_

What has this got to do with PPI?

tifo

_Andy_ wrote: »

What has this got to do with PPI?

Nothing.

This thread should be in the Insurance section.