Building Insurance - malicious acts

SVts

The expected 20% try-it-on auto-renewal price increase so I thought I'd take a look and try and understand what I am exactly insured for and contact the insurance company using the online chat service.

Building insurance only.

I ask the question what exactly what is meant meant by the term malicious acts and to be more specific If a car crashes into my house am I insured?

To which I get the reply;

There is no information in your policy wording describing what exactly is covered , it is showing however what is not covered. Please get in touch with our team , they can get in touch with the claims team to find out what is covered under malicious acts.

All seems a bit vague and unprofessional and I am none the wiser.

SVts

What is insured?

Damage to your buildings caused by things such as fire, storm, flood, theft, escape of water or domestic heating fuel, malicious acts and subsidence

Alternative Accommodation and loss of rent

Accidental Damage to underground services

Lost or stolen keys

Property owners liability

Finding the source of escaping water

Frost damage to inside pipes

 Optional Cover • Accidental damage to your buildings Not included

Probably answers my original query If a car crashes into my house am I insured?

No I am not?

XRS200

That sounds like a summary of cover rather than a policy.  Who is the insurer?

Aretnap

Usually "collision with motor vehicle" or similar gets a section of its own within the policy, which is separate from the more miscellaneous "accidental damage" (ie accidental damage not already covered under one of the other sections).

You would need to read the full policy wording rather than just the summary to make sure.

SVts

I cannot find a detailed policy.

Only document I can find is this;

https://quote1.swinton.co.uk/swinton/default/hc/doc.download?documentId=8653554993

DullGreyGuy

SVts said:

The expected 20% try-it-on auto-renewal price increase so I thought I'd take a look and try and understand what I am exactly insured for and contact the insurance company using the online chat service.

Building insurance only.

I ask the question what exactly what is meant meant by the term malicious acts and to be more specific If a car crashes into my house am I insured?

To which I get the reply;

There is no information in your policy wording describing what exactly is covered , it is showing however what is not covered. Please get in touch with our team , they can get in touch with the claims team to find out what is covered under malicious acts.

All seems a bit vague and unprofessional and I am none the wiser.

There are two ways a Home insurance policy can be written...

1) 95% of cases are an Insured Perils (Fire, Theft, Earthquake)  so to be able to make a claim you must show that the cause of the damage is one of the listed perils. This is where you run into trouble when you come home and just find the front door is laying on its side and you've no idea of what's happened

2) The higher end policies are written on an all risks basis so removes the requirements for you to prove it was a certain peril that caused damage. 

In both the above cases you will have excluded items like wear and tear or motor vehicles (eg a house fire that also takes out your car that was in the garage). 

There can always be an argument on what the root cause is, so a common one in the US is an earthquake breaks the gas mains and causes a fire... is that earthquake or fire? Noting many policies there dont cover earthquake. 


A policy book will define certain terms, accidental damage almost certainly will be defined, likewise storm, if something isn't explicitly defined then it falls back to plain English (aka dictionary definition). 


As to your example Collision is normally an insured peril in its own right covering vehicles hitting your home or things falling off planes and hitting it. 

Do you have a link to your policy book?

XRS200

SVts said:

I cannot find a detailed policy.

Only document I can find is this;

https://quote1.swinton.co.uk/swinton/default/hc/doc.download?documentId=8653554993

There are three policy wordings on their website.  The one I looked at covers collision/impact by vehicles.

I think it would be rare for a buildings policy not to cover this.

SVts

XRS200 said:

SVts said:

I cannot find a detailed policy.

Only document I can find is this;

https://quote1.swinton.co.uk/swinton/default/hc/doc.download?documentId=8653554993

There are three policy wordings on their website.  The one I looked at covers collision/impact by vehicles.

I think it would be rare for a buildings policy not to cover this.

OK thanks. I was just looking for clarification on what I was insured for but I guess it is never as clear as that when it comes to insurance as each case/claim is unique. Fingers crossed then :-D 

DullGreyGuy

https://www.swinton.co.uk/home-insurance

They've three levels of cover, all three policy books are about half way down the above page. 

XRS200

SVts said:

XRS200 said:

SVts said:

I cannot find a detailed policy.

Only document I can find is this;

https://quote1.swinton.co.uk/swinton/default/hc/doc.download?documentId=8653554993

There are three policy wordings on their website.  The one I looked at covers collision/impact by vehicles.

I think it would be rare for a buildings policy not to cover this.

OK thanks. I was just looking for clarification on what I was insured for but I guess it is never as clear as that when it comes to insurance as each case/claim is unique. Fingers crossed then :-D 

It's very clear.  All in the policy wording.

SVts

XRS200 said:

SVts said:

XRS200 said:

SVts said:

I cannot find a detailed policy.

Only document I can find is this;

https://quote1.swinton.co.uk/swinton/default/hc/doc.download?documentId=8653554993

There are three policy wordings on their website.  The one I looked at covers collision/impact by vehicles.

I think it would be rare for a buildings policy not to cover this.

OK thanks. I was just looking for clarification on what I was insured for but I guess it is never as clear as that when it comes to insurance as each case/claim is unique. Fingers crossed then :-D 

It's very clear.  All in the policy wording.

So back to the original question, If a car crashes into my house am I insured?