HGV struck house. Caught on CCTV. Delivery company denying liability for damage

Quentin

payandisplay wrote: »

I fail to see how Wickes have been negligent.

See #9.


That was who the OP's contract was with.

Blackbeard_of_Perranporth

Question.
Have you got house insurance with legal cover.
If yes use that.
If no, you can get all the advise you want at The Bridge Inn most evenings!

NotMuchOfARindOnYou

paddyandstumpy wrote: »

Now you've got the insurer details for the HGV, have you tried contacting them directly? If you advise them you have cctv of the incident I doubt they'll dispute liability. That way would be excess free and you wouldn't need to go via your own home insurer then.

No - only recently got this insurance details, but, yes, I will write to them and see what they say. thanks

NotMuchOfARindOnYou

Quentin wrote: »

Yes you could (should!) pursue the other side for all your uninsured losses including excess and loss of earnings.


The thing to also consider is that establishing liability could take months rather than weeks, so are you happy to wait?


Compare the benefit of claiming now and getting this fixed properly, or if happy, to pay yourself for repairs now, then pursue the third party for recompense later rather than wait along time.


(If you were to go to a MCOL then expect that to take in the region of 4/6 months to reach a hearing after the initial claim is issued if they defend all or part of the claim)

I am coming around to this way of thinking. It's frustrating, but at least stuff will start getting done and I get on with stuff. It's a pain chasing Wickes + their agent down. Not happy about risk to premiums, but maybe I could try claiming it back via courts. Thanks

csgohan4

Thank the heavens you had CCTV, Sue their pants

NotMuchOfARindOnYou

Re the discussions about Wickes, I have emailed them twice over last week on the grounds that my order (contract) was with them and that their agent damaged my property. I agree that they weren't driving the truck, but it is their representative. So far, they have not replied to my emails other than to acknowledge receipt.

I did take to twitter today (title: Hey @Wickes. You drove a truck into my house. Int+ext damage. I've contacted you twice about it. Whats happening?) and posted a video and photos.
Initially they said that an 'installation team' was supposed to be coming round (?), to which I asked if they were planning on installing a new external wall to my house. Anyway, after a bit of reputational management, they have fobbed me off (publicly) and told me to contact delivery company.

I've asked for a written reply to my email, and for this to be escalated, but not got a reply. I think they've gone to watch strictly

I've found the managing directors postal/email address. I might send something there, if no reply to original mails.

NotMuchOfARindOnYou

Blackbeard_of_Perranporth wrote: »

Question.
Have you got house insurance with legal cover.
If yes use that.
If no, you can get all the advise you want at The Bridge Inn most evenings!

1. no to legal cover. Only bought a house 6 months ago and didn't really see the point of it. I think I'll take it up in future

2. haha - the pub advice seems to be 50:50 mix of chase other party vs your own insurance. Regardless, they all advise clawing back every penny through the courts if needed.

DCFC79

Id start composing a letter now so its ready to send if no response from Wickes.

Keep it short as possible.

NotMuchOfARindOnYou

csgohan4 wrote: »

Thank the heavens you had CCTV, Sue their pants

Totally - it actually came with the house when I bought it, and I was a little reticent as I hate the big brother culture, but our street has had issues with robberies in the past so the neighbours (and prev owner) shared the expense and bought 4 cameras for the street. An absolute blessing in retrospect.

Sue their pants - agreed!

NotMuchOfARindOnYou

DCFC79 wrote: »

Id start composing a letter now so its ready to send if no response from Wickes.

Keep it short as possible.

Nod - good advice on the length. They have the facts elsewhere. Short and to the point sounds a good approach,