Insurance liability

[WokingWedger]

At the end of December last year, some kind soul set alight a car alongside my garden fence.

It destroyed 20 plus conifers, the fence, the shed and all its contents.

Police say the owner said it was stolen (but they are not convinced)

Now I claimed on our house insurance as I just wanted it all fixed.

Its nearly all rebuilt now and most of the shed contents are replaced with cost probably reaching £8000 plus.

I am now starting to worry about my next years insurance premium.

Could I have claimed against the car insurance. I have the reg no, but the police wouldnt tell me the name of the owner.

My thinking was if the owner had been driving and caused the damage I would have a claim but as it was 'apparently' stolen, I dont.

Any advise any one ?

[LuS1fer]

If the car was stolen then the driver was uninsured. End of.

[Noger]

LuS1fer said:

If the car was stolen then the driver was uninsured. End of.

Isn't the case. The RTA makes the insurer liable for all drivers (if identified) even if the car is stolen. Joy riding is classed as Social, domestic and pleasure !!

Immaterial to the OPs problem., however. Firstly, the thief is unidentified, secondly arson isn't driving.

If the thief had crashed into your house, then you could have had recourse through the Untraced Drivers Agreement with the MIB. It used to be that deliberately violent acts were excluded, but that may no longer be the case. Maybe worth asking.

[WokingWedger]

Noger said:

LuS1fer said:

If the car was stolen then the driver was uninsured. End of.

Isn't the case. The RTA makes the insurer liable for all drivers (if identified) even if the car is stolen. Joy riding is classed as Social, domestic and pleasure !!

Immaterial to the OPs problem., however. Firstly, the thief is unidentified, secondly arson isn't driving.

If the thief had crashed into your house, then you could have had recourse through the Untraced Drivers Agreement with the MIB. It used to be that deliberately violent acts were excluded, but that may no longer be the case. Maybe worth asking.

Thank, how do I progress this ? I only have the reg no. of the car, police wouldnt give me driver details.

I assume my insurance company would have checked this out.