Building Insurance - malicious acts

DullGreyGuy

SVts said:

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?

Which policy do you have with them? They have three levels of cover

Looking at their basic policy, if the home itself was damaged you'd be covered for all the damage covered up to the sums insured less the policy excess. If the car went through your fence but did not damage the house itself then you wouldn't be covered 

If you have Legal Expenses cover you are likely to be covered for claiming any uninsured losses (eg the excess) from the driver of the vehicle assuming they were negligent. 

Brie

SVts said:

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?

I would read that as you haven't taken out the optional cover which would include accidental damage to your buildings.  So your policy wouldn't cover if a car crashes into your house unless you added the optional cover.  

BUT if a car crashes into your house I suspect that that person's motor insurance would cover the damage.  It's not a common thing so few of us will ever experience this (as opposed to losing keys or having frost damage etc). More common, and mentioned on MSE previously, was having a car crash into a fence/wall and the problems of getting the driver's insurance to cover the type of repairs the home owner wanted done.  (returning to original condition rather than a mere repair).  All of which suggests to me that it's good to have a sturdy barrier between the road and your house to, literally, lessen the impact. 

Aretnap

Brie said:

SVts said:

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?

I would read that as you haven't taken out the optional cover which would include accidental damage to your buildings.  So your policy wouldn't cover if a car crashes into your house unless you added the optional cover.  

You're reading it wrong, for reasons already set out in the thread.

DullGreyGuy

Brie said:

SVts said:

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?

I would read that as you haven't taken out the optional cover which would include accidental damage to your buildings.  So your policy wouldn't cover if a car crashes into your house unless you added the optional cover.  

It doesn't come under AD but the discrete Collision Damage section, the only thing that wouldn't cover is if you were cutting down a tree and it fell onto your house... that would be an AD claim whereas if it came down in a storm or for reasons unknown then its Collision. 

XRS200

SVts said:

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?

Which policy did you buy?

400ixl

This is the problem with using a chat bot for things like this. Unless you create a very clear prompt and the chat bot has been trained you will get all sorts of hallucinogenic responses.

The risk isn't that AI will rise up and eliminate us, its that we will dumb down to the level the AI is trained to.

Accidental damage (for 1st party) is very different to 3rd party. So you throwing the TV down the stairs is a very different clause to someone else driving their car into your house. Former, unless you have taken accidental contents cover then no, latter with most buildings insurance would be yes, but check the policy itself as people have said.

BarelySentientAI

SVts said:

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?

So back to the original answer - what does the policy book relevant to your insurance policy say?

Swinton essentials:


Swinton classic:


Swinton premium:


I think I see consensus there.

SVts

BarelySentientAI said:

SVts said:

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?

So back to the original answer - what does the policy book relevant to your insurance policy say?

Swinton essentials:


Swinton classic:


Swinton premium:


I think I see consensus there.

Thank you. I cannot find the policy book though :

DullGreyGuy

Link to a page with all three has been provided to you earlier