If a fire started next door, and spread . . .

HurdyGurdy

Just something we have been chatting about this evening.

We went out today and came back to find that our neighbour's VW campervan had been burned out on their driveway today .

Fortunately (for us) the blaze was contained and extinguished by the fire brigade. All we are left with is the smell of petrol and smoke in our house, which will dissipate soon enough.

However, IF the blaze had been worse, and had affected our house, would we have had to claim on our own house insurance, or would it have been a claim against the neighbours?

Torry_Quine

You would claim on your house insurance and they would claim off the neighbours insurance if liable.

Quentin

Unless you can prove negligence by the neighbour then you would have to pay yourself or claim on your insurance if you had cover

HurdyGurdy

Thank you. Seems a little unfair that we would have to take the hit on our insurance when it was through no fault of ours, but thankfully it was just a rhetorical question.

anselld

HurdyGurdy wrote: »

Seems a little unfair that we would have to take the hit on our insurance when it was through no fault of ours.

The vast majority of insurance claims are no-fault.

Aretnap

HurdyGurdy wrote: »

Thank you. Seems a little unfair that we would have to take the hit on our insurance when it was through no fault of ours, but thankfully it was just a rhetorical question.

If your house is damaged by a storm, flooded or burgled none of those things are your fault either. They'd still be claims on your insurance.

If the fire had been your neighbors fault (is they were negligent to the point where a reasonable person would have foreseen that their van was a fire risk) and you could prove it then you could claim against their insurance. But more likely it was just one of those things which is pure bad luck -not your fault but not theirs either. In which case everyone either pays for their own loses or claims oh their own insurance. Three what insurance is for -to protect you from bad luck.

Quentin

HurdyGurdy wrote: »

Thank you. Seems a little unfair that we would have to take the hit on our insurance when it was through no fault of ours, but thankfully it was just a rhetorical question.

That's what insurance is for.


Where would you stand without it in the event you lived in a semi which burnt to the ground following a fire spreading from next door??

System

Quentin wrote: »

Where would you stand without it in the event you lived in a semi which burnt to the ground following a fire spreading from next door??

And in a tower block? It's all going to be settled by insurance, no cost to anyone?

Quentin

Clifford_Pope wrote: »

And in a tower block? It's all going to be settled by insurance, no cost to anyone?

Well..... someone will have paid for the insurance premiums!

That's what insurance is for as posted previously

csgohan4

time to install CCTV ?

paddyandstumpy

How would cctv prove negligence in the event of a fire in a (presumably) unoccupied vehicle?