Claiming against yourself
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Drawweight

Original Poster:

3,359 posts

133 months

Sunday 1st September 2024
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In a moment of daydreaming I was wondering how the following scenario would play out.

To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?

Insured by 2 completely different companies of course.

KungFuPanda

4,532 posts

187 months

Sunday 1st September 2024
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Yes. You’d be classed as the third party car owner.

Jamescrs

5,435 posts

82 months

Sunday 1st September 2024
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A guy who I work with did exactly that, albeit with two cars where he owned both.

E-bmw

11,256 posts

169 months

Sunday 1st September 2024
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Drawweight said:
In a moment of daydreaming I was wondering how the following scenario would play out.

To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?

Insured by 2 completely different companies of course.
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?

fatboy b

9,651 posts

233 months

Sunday 1st September 2024
quotequote all
E-bmw said:
Drawweight said:
In a moment of daydreaming I was wondering how the following scenario would play out.

To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?

Insured by 2 completely different companies of course.
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?
Why be so confrontational?

5lab

1,755 posts

213 months

Sunday 1st September 2024
quotequote all
E-bmw said:
Drawweight said:
In a moment of daydreaming I was wondering how the following scenario would play out.

To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?

Insured by 2 completely different companies of course.
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?
I was under the impression it was different, and the claim would have to be against the car insurance.

3rd party cover covers you against negligence claims, you cant sue yourself so you can't claim on insurance this way. There is no 3rd party

Countdown

45,021 posts

213 months

Sunday 1st September 2024
quotequote all
E-bmw said:
Drawweight said:
In a moment of daydreaming I was wondering how the following scenario would play out.

To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?

Insured by 2 completely different companies of course.
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?
Something similar happened to somebody I know.

He owned a taxi firm and two of his minicabs accidentally drove into each other at a speed where both were write-offs. The insurance company refused to pay out on the grounds of suspected fraud.

Super Sonic

10,157 posts

71 months

Sunday 1st September 2024
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fatboy b said:
Why be so confrontational?
Who are you calling confrontational.

Onegoodleg

31 posts

52 months

Sunday 1st September 2024
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5lab said:
E-bmw said:
Drawweight said:
In a moment of daydreaming I was wondering how the following scenario would play out.

To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?

Insured by 2 completely different companies of course.
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?
I was under the impression it was different, and the claim would have to be against the car insurance.

3rd party cover covers you against negligence claims, you cant sue yourself so you can't claim on insurance this way. There is no 3rd party
Exactly, you claim on your car policy with no right of recovery against yourself

OverSteery

3,766 posts

248 months

Sunday 1st September 2024
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E-bmw said:
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?
Because a 3rd party is not usually yourself - It's not rocket science. Insurance has it's own quirks, but wouldn't expect you can claim against yourself as a 3rd party.

theboss

7,290 posts

236 months

Sunday 1st September 2024
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Onegoodleg said:
5lab said:
E-bmw said:
Drawweight said:
In a moment of daydreaming I was wondering how the following scenario would play out.

To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?

Insured by 2 completely different companies of course.
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?
I was under the impression it was different, and the claim would have to be against the car insurance.

3rd party cover covers you against negligence claims, you cant sue yourself so you can't claim on insurance this way. There is no 3rd party
Exactly, you claim on your car policy with no right of recovery against yourself
This is the conclusion I came to when it happened to me.

Wife at the time (but mid divorce) drove one of my cars into another one of my cars on my drive. Nothing malicious / SWT just reversing and forgot the other car was parked there. I just paid out of pocket for both cars to be repaired and the insurance claim just seemed like a lose lose prospect.

esuuv

1,384 posts

222 months

Sunday 1st September 2024
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Not sure of he's on here - might be in the crash thread but there was a guy a long time ago - one car on his drive caught fire, this released the handbrake when it melted - which rolled it into his other car parked at the bottom of the drive - burning that out too (A Subaru and an S4 from memory) fairly sure he would have had to claim off himself.

TwigtheWonderkid

46,760 posts

167 months

Sunday 1st September 2024
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KungFuPanda said:
Yes. You’d be classed as the third party car owner.
No. You cannot be your own third party.

This type of claim isn't unusual. People knock down their own walls going into their driveway. The demolish their garage by selecting drive instead of reverse when leaving their driveway. The car damage is covered by the car policy, but the car policy doesn't cover the property damage. If you hit your neighbours wall, it would.

Drawweight

Original Poster:

3,359 posts

133 months

Sunday 1st September 2024
quotequote all
TwigtheWonderkid said:
KungFuPanda said:
Yes. You’d be classed as the third party car owner.
No. You cannot be your own third party.

This type of claim isn't unusual. People knock down their own walls going into their driveway. The demolish their garage by selecting drive instead of reverse when leaving their driveway. The car damage is covered by the car policy, but the car policy doesn't cover the property damage. If you hit your neighbours wall, it would.
Conflicting answers as I was expecting.

Twig, you are usually the voice of reason on insurance matters, So could I claim for car damage off the bike insurance?
By what you're saying I couldn't.

Aretnap

1,869 posts

168 months

Monday 2nd September 2024
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Drawweight said:
Conflicting answers as I was expecting.

Twig, you are usually the voice of reason on insurance matters, So could I claim for car damage off the bike insurance?
By what you're saying I couldn't.
The third party element of your bike insurance covers your liabilities to other people. It doesn't cover "liabilities" to yourself - you don't have any liabilities to yourself because you can't sue yourself for damaging your own property.

So no, the bike insurance won't cover damage to your own property (other than to the bike, and any bike accessories etc which are explicitly covered by the policy). You could of course claim on the car insurance policy, assuming it was comprehensive cover.

TwigtheWonderkid

46,760 posts

167 months

Monday 2nd September 2024
quotequote all
Aretnap said:
Drawweight said:
Conflicting answers as I was expecting.

Twig, you are usually the voice of reason on insurance matters, So could I claim for car damage off the bike insurance?
By what you're saying I couldn't.
The third party element of your bike insurance covers your liabilities to other people. It doesn't cover "liabilities" to yourself - you don't have any liabilities to yourself because you can't sue yourself for damaging your own property.

So no, the bike insurance won't cover damage to your own property (other than to the bike, and any bike accessories etc which are explicitly covered by the policy). You could of course claim on the car insurance policy, assuming it was comprehensive cover.
^^^THIS

TwigtheWonderkid

46,760 posts

167 months

Monday 2nd September 2024
quotequote all
Drawweight said:
TwigtheWonderkid said:
KungFuPanda said:
Yes. You’d be classed as the third party car owner.
No. You cannot be your own third party.

This type of claim isn't unusual. People knock down their own walls going into their driveway. The demolish their garage by selecting drive instead of reverse when leaving their driveway. The car damage is covered by the car policy, but the car policy doesn't cover the property damage. If you hit your neighbours wall, it would.
Conflicting answers as I was expecting.
Yes, some people know the answer, and others don't. It's just a shame that those who don't feel compelled to answer anyway.

Whenever there's a question asked where I'm not sure of the answer, I try to remember the old saying "better to keep your mouth shut and let people think you're a fool, that to open it and remove all doubt".

98elise

30,206 posts

178 months

Monday 2nd September 2024
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TwigtheWonderkid said:
KungFuPanda said:
Yes. You’d be classed as the third party car owner.
No. You cannot be your own third party.

This type of claim isn't unusual. People knock down their own walls going into their driveway. The demolish their garage by selecting drive instead of reverse when leaving their driveway. The car damage is covered by the car policy, but the car policy doesn't cover the property damage. If you hit your neighbours wall, it would.
I would have thought quite common. It's easy to see how someone might damage a car or other property while on their drive.

whimsical ninja

230 posts

44 months

Monday 2nd September 2024
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TwigtheWonderkid said:
They demolish their garage by selecting drive instead of reverse when leaving their driveway.
They should have reversed onto their drive. No sympathy.

TwigtheWonderkid

46,760 posts

167 months

Monday 2nd September 2024
quotequote all
98elise said:
TwigtheWonderkid said:
KungFuPanda said:
Yes. You’d be classed as the third party car owner.
No. You cannot be your own third party.

This type of claim isn't unusual. People knock down their own walls going into their driveway. The demolish their garage by selecting drive instead of reverse when leaving their driveway. The car damage is covered by the car policy, but the car policy doesn't cover the property damage. If you hit your neighbours wall, it would.
I would have thought quite common. It's easy to see how someone might damage a car or other property while on their drive.
Very common. It'll happen 100 times today across the country, people damaging their own property with their own car.