Car fire and and 'act of god'
Discussion
A friend of my parents is a member of a rambling club. Two weeks ago there were a few people who had been on a walk and upon returning to their cars, one of them had caught fire and been destroyed.
My parent's friend had parked his car in front of the one which had caught fire and as a result of which, the bumper and the rear of his car was damaged.
He assumed that he would claim on the insurance of the car which went up in smoke but has been told by them that it is an act of god and that he will have to claim on his own insurance.
To me this seems ridiculous and I have suggested that he seeks guidance from the ombudsman.
I could understand it to a point if it was a lightening strike or the like but no doubt it will be something less biblical which has caused it.
What is the considered knowledge from those in the know?
My parent's friend had parked his car in front of the one which had caught fire and as a result of which, the bumper and the rear of his car was damaged.
He assumed that he would claim on the insurance of the car which went up in smoke but has been told by them that it is an act of god and that he will have to claim on his own insurance.
To me this seems ridiculous and I have suggested that he seeks guidance from the ombudsman.
I could understand it to a point if it was a lightening strike or the like but no doubt it will be something less biblical which has caused it.
What is the considered knowledge from those in the know?
I always thought that insurance companies never used the "act of God" line any more. It's a little archaic.
Insurance will only pay out to third parties if their client / customer has been negligent. If the car burst into flames randomly then their customer was not negligent and they won't have to pay out.
Insurance will only pay out to third parties if their client / customer has been negligent. If the car burst into flames randomly then their customer was not negligent and they won't have to pay out.
t creek? Seems unfair if you are 
pinchmeimdreamin said:
Loonr1's head has just exploded. 
Pretty well. It's school holidays and all of a sudden we get lots of threads being started by longstanding members with very small post counts. I often wonder if there's somewhere like a dark eBay selling online accounts to kids to keep themselves entertained over the school holidaysDesolate has given exactly the right answer.
There is no Act of God exclusion on any insurance policies.
https://www.abi.org.uk/News/News-releases/2010/08/...
Myth no. 10
ging84 said:
pinchmeimdreamin said:
Loonr1's head has just exploded.
No he has just had to spend a few hours in his angry shouting room shouting angrilyRich1973 said:
He assumed that he would claim on the insurance of the car which went up in smoke but has been told by them that it is an act of god and that he will have to claim on his own insurance.
If he was told it was an act of god he was speaking to an idiot, because it's a complete insurance myth. No act of god exclusions exist on any policy. Utter made up tripe. What the should've/would've said is that "our client was not negligent so is not responsible for the damage to your car", which is quite right.
I know that with houses if your house catches fire and you are not insured and your neighbour has damage caused by the fire he cannot claim against you; otherwise if you lived on a terrace you would have a potential liability for the whole street.
Alas I know this from personal experience
Alas I know this from personal experience
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