Amazon driver crashed into property and damaged railing. Insurance refusing to cover.
An Amazon delivery driver crashed into my property at the weekend - I've contacted my insurance to make a claim but they've refused because apparently, railings are not covered under vehicular damage.
However, my buildings cover states that 'Buildings' includes walls, gates, hedges, fences, lampposts, railings - I've attached a snip from my home insurance policy wording.
Under the next section, 'What we can't cover you for' with regards to collision or impact by vehicles, it states 'Loss or damage caused: to hedges, gates or fences unless your home is damaged at the same time and by the same cause.'
Hedges gates or fences are therefore excluded under vehicular damage - fair enough - but it doesn't state walls, lampposts or most importantly railings are excluded also, therefore by their own definition of 'Buildings', railings are included.
What can I do?
A little extra info, driver failed to stop - police have been informed - aware of company but are refusing to provide insurance information. Amazon are asking for video evidence which is highly unrealistic but I have a witness and statement plus other evidence.
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