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Insurance

Discussion in 'Motors' started by Clarkey, Oct 24, 2017.

  1. Clarkey

    Capodecina

    Joined: Oct 18, 2002

    Posts: 18,045

    Well this sucks, garage ceiling fell in and destroyed my S15.
    [​IMG]

    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 :/
     
  2. bJN

    Mobster

    Joined: Nov 23, 2009

    Posts: 3,392

    Location: Norwich

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

    Capodecina

    Joined: Jul 12, 2007

    Posts: 15,943

    Location: South East

    Oh ****! :(

    What happened to your Mark X?
     
  4. commited

    Soldato

    Joined: Oct 18, 2002

    Posts: 5,369

    Location: Dublin, Ireland

    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.
     
  5. rodenal

    Capodecina

    Joined: Dec 7, 2011

    Posts: 10,177

    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
     
  6. Clarkey

    Capodecina

    Joined: Oct 18, 2002

    Posts: 18,045

    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.
     
  7. ShadowMan

    Wise Guy

    Joined: Oct 18, 2002

    Posts: 1,609

    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.
     
  8. Jonnycoupe

    Capodecina

    Joined: Oct 19, 2002

    Posts: 12,165

    Location: N.Warks

    No way! That’s bad luck :(
     
  9. Nasher

    Capodecina

    Joined: Nov 22, 2006

    Posts: 16,876

    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.
     
    Last edited: Oct 25, 2017
  10. IC3

    Sgarrista

    Joined: Dec 3, 2011

    Posts: 9,231

    [​IMG]
     
  11. geekman

    Mobster

    Joined: Sep 28, 2012

    Posts: 3,371

    Location: Monterrey, Mexico

    :( what happened to the Mark X? You didn't have it that long did you?
     
  12. Clarkey

    Capodecina

    Joined: Oct 18, 2002

    Posts: 18,045

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

    Capodecina

    Joined: Aug 31, 2007

    Posts: 18,206

    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?
     
  14. kindai

    Soldato

    Joined: Aug 9, 2013

    Posts: 6,752

    Location: Bromsgrove

    What on earth! You ok?
     
  15. Raymond Lin

    Capo Crimine

    Joined: Oct 20, 2002

    Posts: 65,544

    Location: Wish i was in .Lethal's house

    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.
     
  16. geekman

    Mobster

    Joined: Sep 28, 2012

    Posts: 3,371

    Location: Monterrey, Mexico

    :( 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.
     
  17. Howard

    Capodecina

    Joined: Jul 12, 2007

    Posts: 15,943

    Location: South East

    That really sucks, sorry to hear it :(
     
  18. Housey

    Man of Honour

    Joined: Feb 21, 2006

    Posts: 26,554

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

    Would have thought housing policy will cover you OK though.
     
  19. agw_01

    Capodecina

    Joined: Apr 11, 2004

    Posts: 19,638

    Sorry to hear that Simon :(
     
  20. shadow_boxer

    Sgarrista

    Joined: Oct 9, 2009

    Posts: 8,698

    Location: Stoke-On-Trent

    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.