O Ye of Little Faith

anotherbaldrick

Take your belief in a supreme being from Admiral Insurance.
A few weeks ago I suffered damage to my car In a storm, a roof ridge tile blew off and wrecked the car bonnet and also damaged the windscreen and car roof. Having lodged a claim with my insurer the following day I am now receiving a supply of e-mails and letters from them stating this will register as a first claim against my protected NCB , however if my claim is settled in my favour and they recover their expenses from the third party it will not count against my policy . How comforting it is for us mere mortals to know that an insurance company has such clout in exalted company.

baby_frogmella

This is how all car insurance companies operate. A couple of years ago i was hit by a foreign lorry (his fault) and this happened a month before my renewal was due. I put a claim in with my insurer Swiftcover and boof! up went my 12 years NCD and i was charged extra for the renewal. 6 months later Swiftcover received funds from the lorry drivers insurance co, they paid me back £500 excess, re-instated the 12 years NCD and refunded the difference in insurance premium.

Nodding_Donkey

Or maybe they are going to claim from the householder who's tile did the damage.

tberry6686

Only problem is that the chances of the insurance company getting their outlay back from the third party (in these circumstances) is pretty low and so it will almost certainly end up being classed as a fault claim.

Nodding_Donkey

Anyone seen 'The Man who sued God'?

da_rule

If the owner of the house has buildings insurance, which has third party liability cover then you may get lucky...maybe.

alastairq

'Public liability' is included in buildings insurance....against such an eventuality.

Assuming the claimant can demonstrate from whose roof the tile came?

rs65

alastairq wrote: »

Assuming the claimant can demonstrate from whose roof the tile came?

And that the homeowner was negligent.

facade

We've had this discussion before.

To claim against the homeowner, you have to demonstrate that they knew the tile was likely to blow off, but did not take reasonable steps to secure it.
If the roof was in a good state of repair prior to the ridge blowing off then there is no blame & no claim.

Always wondered how insurers can get away with "Act of God" when these "Acts of God" have perfectly simple scientific explanations e.g. meteorological phenomena.

arcon5

Don't see what the big deal is ??