Insurance

Clarkey · 24 Oct 2017 at 19:29

Well this sucks, garage ceiling fell in and destroyed my S15.

Is this kind of thing covered by building contents or will I have to claim on the car policy? I don't exactly want to do that, already claimed a total loss on my Mark X this year :/

bJN · 24 Oct 2017 at 19:52

I'd have thought buildings insurance would cover that. What caused it to fall in?

Howard · 24 Oct 2017 at 20:04

Oh ****!

What happened to your Mark X?

commited · 24 Oct 2017 at 20:07

Is it truly mullered? Might be worth talking to a paintless dent removal guy to see what they can do. Then claim for rear window under glass cover on insurance.

rodenal · 24 Oct 2017 at 20:16

The state of it around the window seal will probably put a halt on any easy paintless type repair

Just going to have to trawl through your t&c's but having looked at my own policy quickly it seems this would be covered

Clarkey · 24 Oct 2017 at 20:20

Yeah it's pretty bad the C pillar is rippled and damage to the quarter panel too. Don't know if it's repairable tbh. Thanks for the advice though, worth giving the building insurance a call first then.

ShadowMan · 24 Oct 2017 at 22:30

Having had damage to my car during storm Doris, contents/building refused to even look at paying out. They had a full exemption for anything to do with cars. Its more than likely you will have to go through car insurance unfortunately.

Jonnycoupe · 24 Oct 2017 at 22:39

No way! That’s bad luck

Nasher · 24 Oct 2017 at 22:46

And this is why insurance to park in a garage costs more

AFAIK building insurance won't cover damage to a car, only damaged caused by a car.

A PDR guy won't be able to get it all back in to shape, the edges will be the biggest problem.

IC3 · 24 Oct 2017 at 23:46

geekman · 24 Oct 2017 at 23:49

what happened to the Mark X? You didn't have it that long did you?

Clarkey · 25 Oct 2017 at 00:05

geekman said:
what happened to the Mark X? You didn't have it that long did you?

I crashed it into a parked car after blacking out at the wheel. Suffice to say I no longer have driving privileges. Not ideal.

mjt · 25 Oct 2017 at 00:08

Clarkey said:
I crashed it into a parked car after blacking out at the wheel. Suffice to say I no longer have driving privileges. Not ideal.

Holy ****; are you OK? You're not having a good run with your cars of late :/

Tell me to FO of course, but what's the deal with your licence now due to what I presume is some sort of medical diagnosis?

kindai · 25 Oct 2017 at 00:25

Clarkey said:
I crashed it into a parked car after blacking out at the wheel. Suffice to say I no longer have driving privileges. Not ideal.

What on earth! You ok?

Raymond Lin · 25 Oct 2017 at 00:37

mjt said:
Holy ****; are you OK? You're not having a good run with your cars of late :/

Tell me to FO of course, but what's the deal with your licence now due to what I presume is some sort of medical diagnosis?

If he has black outs then the DVLA will revoke his licence and he has to go 2 years without another black outs in order to get it back. If he has another the clock starts again.

I think.

geekman · 25 Oct 2017 at 02:52

Clarkey said:
I crashed it into a parked car after blacking out at the wheel. Suffice to say I no longer have driving privileges. Not ideal.

that’s awful!

Might be worth talking to chillistrucker on Pistonheads - he had serious health issues and the DVLA made life very difficult for him even after he was cleared to drive, but I believe he got it back in the end.

Howard · 25 Oct 2017 at 07:30

Clarkey said:
I crashed it into a parked car after blacking out at the wheel. Suffice to say I no longer have driving privileges. Not ideal.

That really sucks, sorry to hear it

Housey · 25 Oct 2017 at 21:15

That's a bit of bad luck, what a pain in the bum.

Would have thought housing policy will cover you OK though.

agw_01 · 25 Oct 2017 at 21:16

Clarkey said:
I crashed it into a parked car after blacking out at the wheel. Suffice to say I no longer have driving privileges. Not ideal.

Sorry to hear that Simon

shadow_boxer · 25 Oct 2017 at 23:46

Raymond Lin said:
If he has black outs then the DVLA will revoke his licence and he has to go 2 years without another black outs in order to get it back. If he has another the clock starts again.

I think.

It'll depend on the cause (if one was found after investigations). DVLA guidance is generally quite specific for an extensive list of medical conditions.

Insurance

Sgarrista