Insurance Question

flimper

flimper

Veteran
 Hampshire
During one of the fierce recent storms (!), a branch fell off the tree and left a small dent on the wing. I've reported it to the management company at the flats where I live and they think there may be a case for them being responsible. My concern is that if I report it to my insurance, my costs will go up and I will lose no claims even though it is not an accident.

"Usually the car owner would need to put a claim through their own vehicle insurance and their insurers would then make a subrogation claim against the Building. I would suggest they contact their insurers to discuss this further and they should be given the relevant information. Once their insurers have subrogated to loss, the premiums would remain unaffected and any policy excess would be reimbursed."

Any thoughts on what I should do for the best?
 
Don't even mention it to your insurer , they would tell you to claim on buildings or other insurance anyway & it would go on your file against you , very slippery fookers :x
Similar incident about 10 years ago with a rooftile & bootlid , Churchill told me it was a house ins claim which i did
Then on renewal my policy had rocketed , i asked why & it was down to the "claim" for body damage :evil:
 
As Mr. Wilks says son't even contact you insurance company unless you are going to claim from them.
 
flimper said:
Does it change things that my insurance people are brokers? Adrian Flux
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RE any insurance companies,brokers whatever , one golden rule should apply , treat them all with the same contempt as they treat you & then at least there will be a level footing .
They will log anything you say to use to formulate future quotes & lever the price to their advantage :wink:
 
You can choose to avoid insurance involvement and seek recompense from the management company, if they choose to pass it to their insurer that's up to them. Damage to your car is no different to any other class of claim in principle so small claim is your fallback position.
 
Ewazix said:
You can choose to avoid insurance involvement and seek recompense from the management company, if they choose to pass it to their insurer that's up to them. Damage to your car is no different to any other class of claim in principle so small claim is your fallback position.
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I told them I wouldn't be getting my insurance involved and it was down to them to which they replied...

I have been in this situation myself and I had to claim through my car insurers, however they counterclaimed against the buildings insurers and so as my insurers did not sustain a loss, the premium did not go up, that is the normal procedure.

What should I do?
 
Not car related and this happened nearly 20 years ago so things may have changed.

While on holiday in USA my camcorder was knocked out of my hands and smashed beyond repair.

On my return home I claimed from my holiday insurance who counter claimed from my household insurance

They shared the cost of replacement.

Which I thought was unfair on my home insurance supplier.

I spoke to the holiday insurance and said this didn't seem fair,

they said it was standard practice and if I said I didn't have home insurance when I had,

I'd be committing fraud.
 
Grumpyowl said:
they said it was standard practice and if I said I didn't have home insurance when I had,

I'd be committing fraud.
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Yes, I have heard of similar as well.

BTW I hope you can get it sorted to your satisfaction.
 
They have no right to force you to claim via your insurance company. When a car drove 75 meters out of my fence, I personally claimed against their car insurance and the car insurance sent me a cheque for the losses.
 
What response should I go back with now, she didn't seem as though she would entertain me claiming directly through them
 
She clearly does not know how UK insurance works as she quotes European insurance business model.

Did you get a quote for the work? Present the quote, ignore what she said, and request payment for the losses incurred. She will pass it on to her insurance who will deal with you. There is nothing to prevent an insurance company to work with you if you wish to do so.
 
From an insurance company point of view, they don't care whether they deal with the claimant or the insurance company. If you involve an accident management company, they deal with that company - again not related to an insurance company.

As this is a very simple case, it is a matter for you to present an invoice for the damage caused which they either pay via their insurance claim, or deny.
 
My advice from our buildings insurers is that it has to go through your car insurance. If the tree hit your car from *** Court, then we will not be disputing the claim and your no claims discount is not affected . So as not to hold up proceedings, I would ask that you contact your car insurers as they should advise you what I have already stated

Don't think they are going to budge....
 
If I'm only with my current insurers for another 10 days before I switch to someone else, does that have any bearing on things? They can't up my premium a lot in that time surely?
 
flimper said:
My advice from our buildings insurers is that it has to go through your car insurance. If the tree hit your car from *** Court, then we will not be disputing the claim and your no claims discount is not affected . So as not to hold up proceedings, I would ask that you contact your car insurers as they should advise you what I have already stated

Don't think they are going to budge....
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Makes no sense. I can't see why they won't deal with it.

Don't do anything until your in your new policy year though.
 
As if you start a claim with another company, you have a claim on record - loss of no claim, so your new policy will take a hit on day one. Even if you get all the money back, the new insurance company will reduce your no claim.

I assume you are still dealing with the same stubborn cow then? Request their insurance details, they have to provide that to you and contact the insurer direct. As I mentioned, I called the insurance company from the (drunk) girl that wiped a huge section of my fence out. They did not care that I dealt with them.
 
I already have their details, this was their advice to the woman...

Usually the car owner would need to put a claim through their own vehicle insurance and their insurers would then make a subrogation claim against the Building. I would suggest they contact their insurers to discuss this further and they should be given the relevant information. Once their insurers have subrogated to loss, the premiums would remain unaffected and any policy excess would be reimbursed.

This is the information the woman is acting on
 
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