Can I claim off car insurance for house damage?

DancesWhenHappy

A car lost control and ended up damaging my hedge yesterday. I don't really want to involve my house insurance to make a claim. Can I claim off his insurance without going through my house insurance?

Also, what can I claim for? It's a mature hedge, and would probably take 4 years for anything that's planted to reach the same size. About 3 metres of it was completely flattened.

Tilt

Well you could claim directly but personally, that's what you take out insurance for so I would just leave it to my own insurers.

Things like this can get complicated especially if there is likely to be a dispute about 'cosmetic' damage. Basically a loss adjuster will have to examine the area and it would help if you have any pictures to show the hedge previous to the accident.

Hintza

I remember when we were young a friend went through a hedge after straightening it up the householder said "it's fine" about six months later it was dead.

If it was me I would try and get his insurance details and call/write them yourself in the first instance.

Wh05apk

Surely this should be a claim off the car drivers insurance, with the hedge re-planted with "mature" hedging (probably won't be cheap, but far cheaper than if they hit another car)

Splott

DancesWhenHappy wrote: »

A car lost control and ended up damaging my hedge yesterday. I don't really want to involve my house insurance to make a claim. Can I claim off his insurance without going through my house insurance?

Also, what can I claim for? It's a mature hedge, and would probably take 4 years for anything that's planted to reach the same size. About 3 metres of it was completely flattened.

Yes you can claim from his insurance. Ideally you'll need three separate quotes. I'm quite sure a landscape gardner will know what you claim for.

schoolrunmum

I badly damaged a mature hedge with my car a few years ago. My car insurance replaced hedge with a mature planting-the householder bore no cost.HTH x

DancesWhenHappy

Having tugged it around a bit, I think it will probably grow back into shape on it's own, so I probably won't risk jepordising my own premium by making a claim. I wondered if I could claim for the stress and inconvenience of it all; that was much worse than the actual damage.

Hintza wrote: »

I remember when we were young a friend went through a hedge after straightening it up the householder said "it's fine" about six months later it was dead.

Good point. But I'll take the risk.

DancesWhenHappy

schoolrunmum wrote: »

I badly damaged a mature hedge with my car a few years ago. My car insurance replaced hedge with a mature planting-the householder bore no cost.HTH x

NO cost this year...how was his premium affected the next year though?