Windscreen - Cricket ball

Gorgeous_George

Hi

Mrs GG's car has been hit by a cricket ball as she passed a local school.

The teacher in charge refused to give her his name and claimed it was an act of God :rotfl:

Insurance-wise, there is an excess of £75. I do not see why we should claim off her insurance - never mind the excess.

Anybody had a similar problem? How did you get on? Small claims court perhaps?

GG

Biggles

Write to the school and the Education Authority, I'm sure the school/council will have third party cover for such eventualities.

Mention the teacher's attitude, too, they can do without idiots like that on their staff!

Gorgeous_George

Just found out that the school secretary is my ex-bosses wife! What's the chance of that? I'm confident it will be resolved properly.

A new windscreen is £507 and, like I say, the excess is £75.

We'll pay the £75 to have it fixed then claim it back off the school. Tesco insurance will be pleased - only been with them a few weeks.

A different attitude from staff members makes a lot of difference.

GG

Crabman

GG have you tried claiming the actual cost, i.e. without getting the insurers involved? I don't know whether windscreen claims lead to a rise in premium but I'm pretty sure you'll need to declare it when you renew next year.

movilogo

The teacher in charge refused to give her his name and claimed it was an act of God

This was an act of a child who was not property taught by his teacher in school.

Riq

movilogo wrote: »

This was an act of a child who were not property taught by his teacher in school.

Who says? The child may have aimed for the car. Then it was a fairly good shot to hit a moving car.

Gorgeous_George

I haven't tried anything yet. When the windscreen is replaced I have to decide whether to pay £75 or £507.

Probably go down the £75 route. Tesco can afford it.



GG

ryanharrison83

movilogo wrote: »

This was an act of a child who was not property taught by his teacher in school.

not sure if you know the rules of cricket, but to slog the ball out of the school grounds is actually a very well taught child who has a promising career as a cricketer!!

Well that is assuming Mrs GG wasnt driving through the school field at the time. That would be silly! :-)

Serious note, A letter to the school with a bill should suffice.

amandada

We had a sort of similar thing happen about 5 years ago...council workers were using strimmers to cut grass on a roundabout on a busy dual carriageway, when one of the strimmers hit a stone and sent it flying, resulting in the drivers window of our car being smashed. (that and almost heart failure as it sounded like a gunshot!!)
We did it through the insurance, then claimed the excess back from the contractor without any problems. Good luck!

vikingaero

Crabman wrote: »

GG have you tried claiming the actual cost, i.e. without getting the insurers involved? I don't know whether windscreen claims lead to a rise in premium but I'm pretty sure you'll need to declare it when you renew next year.

Glass/windscreen claims don't affect no claims bonuses for 99% of insurers.

DazedByTheLight

amandada wrote: »

We did it through the insurance, then claimed the excess back from the contractor without any problems. Good luck!

Surely that would also affect your no claims bonus though? I would avoid insurance claims for anything other than third party fault as the long-term increase in insurance premiums due to a reduction in no-claims bonuses is also a factor.