Trampoline wind damage advice?

[TwigtheWonderkid]

Aretnap said:

TwigtheWonderkid said:

Aretnap said:

The third party would be the leasing company whose property he would have negligently damaged, so in principle it could be covered by a broadly enough worded liability section.

I think the lease agreement would have made the lease holder responsible for all damage, hence you insure a car when you lease it, and the leasing co does not insure the car, despite owning it. So the leasing co don't have a loss, the lease holder does.

Hmmm... perhaps. But by damaging the car you've still generated yourself a liability to pay the lease company for the damage... and the policy does say that it will cover your legal liabilities for accidental property damage.

No it doesn't. It says it'll pay your legal liabilities to third parties. That's the key bit. As you said, "by damaging the car you've still generated yourself a liability". Yes you have, you're out of pocket as stuff you are in possession of and legally responsible for fixing, is damaged. But you're not a third party.

When it comes to damage to your own property, that's not a legal liability, that's just stuff you've chosen to insure, like your contents and buildings. But you haven't insured your vehicles on your house insurance.

Edited by TwigtheWonderkid on Sunday 30th January 23:02

[Mr Tidy]

Aretnap said:

The third party would be the leasing company whose property he would have negligently damaged, so in principle it could be covered by a broadly enough worded liability section.

In practice though having just checked my own home insurance (Direct Line) it unsurprisingly excludes liability for damage to "any property that is in your care, custody or control", so there's no cover for lease cars, hire cars, borrowed cars etc. I assume a clause along those lines is standard.

Exactly - lease companies expect renters to insure the car!

[ED209]

Thanks everyone, I have submitted a claim on my car insurance for the audi online. Waiting to hear back.

Going to explore pointless dent removal for the van.

A house insurance claim will probably be needed for roof damage.

The trampoline is in the bin!

[durbster]

LimaDelta said:

I remember a year or two ago waking up after a large storm, walking to the back of the house with a cup of tea and looking out over the garden. Something wasn't quite right but I couldn't quite put my finger on it. Once the brain cells started to kick in I noticed it. The trampoline (a bit 12 footer) had gone. The wind had picked it up and taken it over the back hedge. Now when I say hedge I mean 3m tall and 2m thick. Fortunately it is farmland behind us so there was no damage done. The trampoline had even landed back on it's feet. The recovery was interesting using a longline and brute force to roll it back over the hedge and back into the garden. Still got a further year or two use from it.

Morale of the story: make sure it is properly secured, and drop the side netting when high winds are forecast.

Full marks for sticking the landing.

[vikingaero]

ED209 said:

Thanks everyone, I have submitted a claim on my car insurance for the audi online. Waiting to hear back.

Going to explore pointless dent removal for the van.

A house insurance claim will probably be needed for roof damage.

The trampoline is in the bin!

It's a lesson learnt!

I bought a trampoline tie down kit for £15. During a storm it held, but looked close. Then when buying lunch in Asda one day I saw a trampoline tie down kit on offer for £3, so I bought it to make sure the bd was held down.

[cliffe_mafia]

vikingaero said:

It's a lesson learnt!

I bought a trampoline tie down kit for £15. During a storm it held, but looked close. Then when buying lunch in Asda one day I saw a trampoline tie down kit on offer for £3, so I bought it to make sure the bd was held down.

Our trampoline is on astroturf so I use sandbags on the legs - 3 bags with about 20kg in each one. It's worked well over the last few years.

[ED209]

Well my renewal has come through and it’s gone up by about 40% as a result of this claim, it’s showing as a fault claim on my policy and my no claims discount has been wiped out.

[mattyprice4004]

ED209 said:

Well my renewal has come through and it’s gone up by about 40% as a result of this claim, it’s showing as a fault claim on my policy and my no claims discount has been wiped out.

That’s as I’d expect - it is a fault claim, and NCD is affected as a result.
Definitely worth buying a tie down kit for anyone reading this!

[Durzel]

I had a tie down kit installed on a 16' trampoline, and like LimaDelta woke up one morning to find it just gone from the garden. It had cleared a fence at the back of the garden and what was left of it was in a tree about 100 metres away. Unfortunately didn't have CCTV that covered it, but I'm sure it must have been quite a sight. This trampoline must have been at least 150kg,

Tie down kits won't stop gale force winds from picking up these things and just making them fly, at least in my experience.

[TwigtheWonderkid]

Durzel said:

I had a tie down kit installed on a 16' trampoline, and like LimaDelta woke up one morning to find it just gone from the garden. It had cleared a fence at the back of the garden and what was left of it was in a tree about 100 metres away. Unfortunately didn't have CCTV that covered it, but I'm sure it must have been quite a sight. This trampoline must have been at least 150kg,

Tie down kits won't stop gale force winds from picking up these things and just making them fly, at least in my experience.

It might stop a successful third party claim against you, as you could demonstrate you took reasonable steps to prevent it blowing away and therefore were not negligent.

Just because your trampoline damages someone else's property doesn't mean you are responsible. They have to show negligence on your part.

[martinbiz]

Durzel said:

I had a tie down kit installed on a 16' trampoline, and like LimaDelta woke up one morning to find it just gone from the garden. It had cleared a fence at the back of the garden and what was left of it was in a tree about 100 metres away. Unfortunately didn't have CCTV that covered it, but I'm sure it must have been quite a sight. This trampoline must have been at least 150kg,

Tie down kits won't stop gale force winds from picking up these things and just making them fly, at least in my experience.

To be fair that does depend on what you two it down to

[ED209]

Been trying to get some new quotes today, all are very high based on the 3 years no claims bonus esure now say I have.

Thing is before this claim in January I had 16 claim free years. An internet search suggests this should have only reduced by 2-3 years as a result of one claim not down to 3 like esure policy dictates.

I have proof of no claims showing 14 years in 2019 but can’t find the more recent ones but I assume any company would be able to check and confirm via insurers databases that I made no claims in the subsequent 2 years?

So when I am getting quotes from different companies and comparison sites what no claims figure should I give?
Might it be worth visiting a broker who might be able to give a more personal quote based on my circumstances?

[MrBig]

martinbiz said:

To be fair that does depend on what you two it down to

Yes but was it tied down?!?

[Wackywoo105]

ED209 said:

Been trying to get some new quotes today, all are very high based on the 3 years no claims bonus esure now say I have.

Thing is before this claim in January I had 16 claim free years. An internet search suggests this should have only reduced by 2-3 years as a result of one claim not down to 3 like esure policy dictates.

I have proof of no claims showing 14 years in 2019 but can’t find the more recent ones but I assume any company would be able to check and confirm via insurers databases that I made no claims in the subsequent 2 years?

So when I am getting quotes from different companies and comparison sites what no claims figure should I give?
Might it be worth visiting a broker who might be able to give a more personal quote based on my circumstances?

Did you have protected NCD? I always take this as it doesn't add much to the policy, but I'm not sure how it works and some have suggested it's not worth anything. I'm with Sheilas wheels ATM which I'm pretty sure is ensure. I will have a look at my policy.

[Allegro_Snapon]

vikingaero said:

ED209 said:

Thanks everyone, I have submitted a claim on my car insurance for the audi online. Waiting to hear back.

Going to explore pointless dent removal for the van.

A house insurance claim will probably be needed for roof damage.

The trampoline is in the bin!

It's a lesson learnt!

I bought a trampoline tie down kit for £15. During a storm it held, but looked close. Then when buying lunch in Asda one day I saw a trampoline tie down kit on offer for £3, so I bought it to make sure the bd was held down.

How did they know it was your trampoline?

Was it a neighbours trampoline?

Have you the T5 document for the object?

Or indeed a trampoline at all?

Could it just have been a large storm blown object caught on your ring doorbell in passing but indiscernible due to the rain and storm at the time?

[ED209]

Allegro_Snapon said:

How did they know it was your trampoline?

Was it a neighbours trampoline?

Have you the T5 document for the object?

Or indeed a trampoline at all?

Could it just have been a large storm blown object caught on your ring doorbell in passing but indiscernible due to the rain and storm at the time?

Because I was honest and told them. My nearest neighbour in the direction the wind was blowing is several miles away, my attached neighbours yard isn’t big enough to fit the trampoline in it.

I’m not in the business of committing fraud and risking my job, my wife’s job, house etc etc for a few hundred quid.

[Sheepshanks]

ED209 said:

Been trying to get some new quotes today, all are very high based on the 3 years no claims bonus esure now say I have.

Thing is before this claim in January I had 16 claim free years. An internet search suggests this should have only reduced by 2-3 years as a result of one claim not down to 3 like esure policy dictates.

I have proof of no claims showing 14 years in 2019 but can’t find the more recent ones but I assume any company would be able to check and confirm via insurers databases that I made no claims in the subsequent 2 years?

So when I am getting quotes from different companies and comparison sites what no claims figure should I give?
Might it be worth visiting a broker who might be able to give a more personal quote based on my circumstances?

The extended no claims seems to be just marketing fluff - in practice it seems to really max out at 5 yrs, and you lose 2 yrs for an at fault claim, exactly as you’ve found.

[hidetheelephants]

ED209 said:

Thanks for your help. I do actually have the incident caught on my own cctv.

Flogging the video to You've Been Framed might net you a bit of folding. I did check to see it still exists and bizarrely ITV still make it and offer £250 for nonsense videos.

[Kenny68]

vikingaero said:

I bought a trampoline tie down kit for £15. During a storm it held, but looked close. Then when buying lunch in Asda one day I saw a trampoline tie down kit on offer for £3, so I bought it to make sure the bd was held down.

I bought a couple of bike locks from Poundland and tied the trampoline to our garden fence any time there was windy weather. Worked a treat.