sky dish blown off of house, what to do

dangerousmouse · 18 Jan 2007 at 18:27

an old, and unused satellite dish has been blown off of my house, and landed on my neighbours car windscreen.

they want me to pay for it to be replaced. now, there is a pretty big crack down the windscreen, so i aint gonna be able to get that repaired. phoned up my contents insurance provider and they said that wouldnt be covered, perhaps try the building insurance. so i told my landlord to contact them to try and find out what to do.

the thing is though, should my neighbour not be phoning his car insurance provider, and claiming under the third party bit? the way i understand it, he should phone the car insurance company and tell them about this incident. the car insurance company will then ask for the house insurance details. then the insurance companies will do their stuff.

any help in this matter is greatly apreciated.

thanks.

Rich_L · 18 Jan 2007 at 18:30

Give them your landlords details and tell them to sort it out through him, I can't see how as a tenant you can possibly be responsible for a sky dish which was there before you moved in. (assuming it was!)

Burned_Alive · 18 Jan 2007 at 18:34

Just tell your neighbour to claim off his insurance and you'll pay the excess, windscreen claims dont affect your normal insurance, will be £50-60.

"andy" · 18 Jan 2007 at 18:35

they want you to pay for it on what grounds ?

"natural disaster"

probly wont be covered by insurance :/

Big Chris · 18 Jan 2007 at 18:38

Burned_Alive said:
Just tell your neighbour to claim off his insurance and you'll pay the excess, windscreen claims dont affect your normal insurance, will be £50-60.

Or...

Rich_L said:
Give them your landlords details and tell them to sort it out through him, I can't see how as a tenant you can possibly be responsible for a sky dish which was there before you moved in. (assuming it was!)

Sherbs · 18 Jan 2007 at 18:41

Thought damage caused by nature wasn't covered by insurance.

Say the wind rips your house out the foundation and plonks it on top of next doors house, whos fault is that?

dangerousmouse · 18 Jan 2007 at 18:42

Burned_Alive said:
Just tell your neighbour to claim off his insurance and you'll pay the excess, windscreen claims dont affect your normal insurance, will be £50-60.

was thinking of this, but i have a suspiscion that the car isnt even insured. it has been sat on *** drive for over a year, never used. i also found out this summer it is knackered, and needs about £3000 work doing to make the engine function properly again.

have also asked the landlord to contact the buildings insurance to inform them.

trojan698 · 18 Jan 2007 at 18:42

SherberT* said:
Thought damage caused by nature wasn't covered by insurance.

Say the wind rips your house out the foundation and plonks it on top of next doors house, whos fault is that?

Gods!

Bes · 18 Jan 2007 at 18:43

If you are a tenant and it is not your dish, get your landlord to pay DO NOT pay for this out of your pocket!

Wile E. Coyote · 18 Jan 2007 at 18:44

dangerousmouse said:
was thinking of this, but i have a suspiscion that the car isnt even insured. it has been sat on *** drive for over a year, never used. i also found out this summer it is knackered, and needs about £3000 work doing to make the engine function properly again.

have also asked the landlord to contact the buildings insurance to inform them.

OMG and he is asking you for the money to fix the windscreen, taking the p*** if you ask me.

Beren · 18 Jan 2007 at 18:44

Pretty sure that Rich_L is right on this one. Did you put the satelite dish up?

If not I would give your neighbour the Landlords details. It is his property that caused the damage not yours. I'm no legal bod so I'm not certain but I don't see how you can be held accountable for something you didn't use, didn't install and don't own.

And there was me hoping from the thread title to be able to tell you to read a book or play a board game!

Azagoth · 18 Jan 2007 at 18:46

Wouldn't it be classed as 'an act of God'? If so then under tort law you did no wrong and ergo won't be responsible for any costs incurred.

Vonhelmet · 18 Jan 2007 at 18:55

andy8271 said:
"natural disaster" probly wont be covered by insurance :/

Act of God tbh.

dangerousmouse · 18 Jan 2007 at 18:56

trojan698 said:
Gods!

only thing i can think of here is that film with billy connoly (sp?), the man who sued god.

the landlord thinks that the guy is just after the money tbh. thing that strikes me as a bit wierd tho, he has still got the dish. i feel i might go and ask for it back tomorrow!

leaskovski · 18 Jan 2007 at 18:56

Remove dish from car, and proceed to insert up neighbours bottom! :mad:

Docaroo · 18 Jan 2007 at 19:02

dangerousmouse said:
was thinking of this, but i have a suspiscion that the car isnt even insured. it has been sat on *** drive for over a year, never used. i also found out this summer it is knackered, and needs about £3000 work doing to make the engine function properly again.

have also asked the landlord to contact the buildings insurance to inform them.

In this situation there is NO WAY, and I mean NO WAY i would be paying for the damage or even having my insurance premiums go up for it....

This is utterly ridiculous.... sounds like the car should be ******* scrapped anyway....

Seriously dude no way you should suffer any loss for that...

Rotty · 18 Jan 2007 at 19:04

It is the responibilty of the owner of the house, the car owner is right to expect not to pay for it or claim off his own insurance, as you are a tennent though it is the landlords problem

dangerousmouse · 18 Jan 2007 at 19:08

Rotty said:
It is the responibilty of the owner of the house, the car owner is right to expect not to pay for it or claim off his own insurance, as you are a tennent though it is the landlords problem

should he not be phoning his insruance company though? even if only to inform them of it, and to give the insurance details of the house?

would my landlord not also need the details of the car insurance?

EDIT: eg, if mr smith damaged my car, i would phone my insurance company to make the claim against mr smith. i would then provide my insurance company with mr smith's insurance details.

Dolph · 18 Jan 2007 at 19:10

vonhelmet said:
Act of God tbh.

Act of God is unlikely to apply unless every satellitte dish and ariel in the area was torn down. It's more likely to be the owners responsibility due to poor fitting/poor maintainance.

On top of that, I agree with Rotty.

Bri · 18 Jan 2007 at 19:30

SherberT* said:
Thought damage caused by nature wasn't covered by insurance.

Most of the time it is. We lost quite a few tiles from our roof a couple of years ago in high winds, insurance stumped up for them. It's up to the insurance company to calculate the risk. For example, if you live in an area with a history of flooding, you will pay a higher premium, but will still be insured it you do get flooded. It's normall the likes of power/phone/water companies that declare a 'Force Majeure' so that they don't have to make compensation payments for loss of supply.

SherberT* said:
Say the wind rips your house out the foundation and plonks it on top of next doors house, whos fault is that?

Now you're just being silly