Home Insurance Question?

Frank99

We have seen a spate of incidents in our area of cars and vans going through peoples properties and causing serious damage, does anybody know if Home Insurance would pay in such a case because we are on a road where boy racers and white van men are common place and lamposts, walls and telegraph poles are being knocked down regularly which is so worrying to my wife that i've had to plant some trees on the front garden to form a possible future barrier.

davidmcn

It would be the vehicle's insurers who would be paying. 

Sandtree

what sort of damage are you talking? Just tyres ripping up lawns/flowerbeds or cars hitting walls?

As David says, you'd have a right to make a claim against the motor vehicle that has done the damage but assuming they are unknown Home Building's insurance does include impact damage and so damage to something like a wall would be covered may be more limited cover if its just plants

Frank99

Thank's folks, i was mainly concerned about the damage done when the vehicle drives through the house even though this is still quite rare thankfully!
With traffic increasing in our area and with more and more homes being built it seems as if the roads are coming under strain hence these incidents being reported in the local newspaper.

Sandtree

Frank99 said:

With traffic increasing in our area and with more and more homes being built it seems as if the roads are coming under strain hence these incidents being reported in the local newspaper.

No matter how busy the road it shouldn't ever result in someone mounting the kerb, driving over your lawn and into your sitting room. To travel that far without stopping normally means that speed was a contributing factor and that is much more an issue on quiet roads than those with nose to tail traffic or idiots who'd make dangerous overtaking manovers no matter how busy or not the road is.