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    • wernertruter
    • By wernertruter 9th Oct 17, 11:19 AM
    • 1Posts
    • 0Thanks
    No Home Insurance - 3rd Party Damage
    • #1
    • 9th Oct 17, 11:19 AM
    No Home Insurance - 3rd Party Damage 9th Oct 17 at 11:19 AM
    Good Morning,

    Looking for some advice.

    Woke up yesterday morning and found my front garden fence completely bent out of shape. A car hit it in the early hours, bending several of the metal posts as well as the metal railing.

    I reported the incident to the police and have my incident reference number. I have also located the car that caused the damage as well as the driver.
    They admitted liability and gave me their car insurance details.

    So calling my home insurer this morning only to be informed my policy was no longer active. Seems the renewal letter never made it to me and without me contacting them to ask to be renewed, the policy got cancelled.
    This means the damage happened at a time where I had no home insurance.

    My (ex)insurer have also confirmed that they will not be able to proceed with the claim if I was to take a new policy out with them now as the damage occurred prior to a policy being in place.

    My question now is, can I do anything to still claim for the damage from the drivers insurer?
    Should I go directly to the drivers insurer?
Page 1
    • paddyandstumpy
    • By paddyandstumpy 9th Oct 17, 12:02 PM
    • 1,060 Posts
    • 527 Thanks
    • #2
    • 9th Oct 17, 12:02 PM
    • #2
    • 9th Oct 17, 12:02 PM
    You don't seem to have another option but to, do you?
    • Blibble
    • By Blibble 9th Oct 17, 6:53 PM
    • 449 Posts
    • 787 Thanks
    • #3
    • 9th Oct 17, 6:53 PM
    • #3
    • 9th Oct 17, 6:53 PM
    Was any other buildings insurance active at the point of incident?

    If not, approach the TP insurer directly.
    • societys child
    • By societys child 9th Oct 17, 8:53 PM
    • 5,223 Posts
    • 5,772 Thanks
    societys child
    • #4
    • 9th Oct 17, 8:53 PM
    • #4
    • 9th Oct 17, 8:53 PM
    Just claim from the drivers insurance company, it doesn't matter that you have no home insurance.

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