Trampoline wind damage advice?
Discussion
Well it’s blowing a hoolie at the minute. The wind has took some slates off our roof, can’t actually see the damage but I am sure there will be an insurance claim needed.
The bigger issue is that our kids large trampoline which was in our garden and wedged behind a 7 foot hedge that protects it from the prevailing winds has just took off and blown out of the garden.
On its way it’s hit my a5 sport back (cheap lease deals) and has dented at least the bonnet, cracked the windscreen, dented and scratched the roof. After hitting the car it’s then smashed off the back of our Mercedes’ Vito van and has put a fair old dent in the tailgate.
The audi certainly won’t be cheap to fix and I expect the van probably won’t be either.
I haven’t rang the insurers yet as is pointless because I can’t assess the damage properly due to the wind still being very strong but how is this likely to pan out insurance wise? The house insurance is in both the wife and my name, the audi is insured in my name and the Vito in hers. With it all being interconnected I really can see this being a nightmare to sort.
Anyone had similar? Any advice on how this is likely to pan out?
I am absolutely fed up but at least nobody was hurt.
The bigger issue is that our kids large trampoline which was in our garden and wedged behind a 7 foot hedge that protects it from the prevailing winds has just took off and blown out of the garden.
On its way it’s hit my a5 sport back (cheap lease deals) and has dented at least the bonnet, cracked the windscreen, dented and scratched the roof. After hitting the car it’s then smashed off the back of our Mercedes’ Vito van and has put a fair old dent in the tailgate.
The audi certainly won’t be cheap to fix and I expect the van probably won’t be either.
I haven’t rang the insurers yet as is pointless because I can’t assess the damage properly due to the wind still being very strong but how is this likely to pan out insurance wise? The house insurance is in both the wife and my name, the audi is insured in my name and the Vito in hers. With it all being interconnected I really can see this being a nightmare to sort.
Anyone had similar? Any advice on how this is likely to pan out?
I am absolutely fed up but at least nobody was hurt.
SmoothCriminal said:
Think you are going to have to claim individually for the car and van on their respective policies.
You will have had to have been negligent to claim on the house insurance re storm damage, not sure if you can be negligent to yourself.
That was the bit that confused me. I worry that the respective companies will just push me back and forth between each of them. You will have had to have been negligent to claim on the house insurance re storm damage, not sure if you can be negligent to yourself.
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?
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?
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. 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?
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.
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