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House kills car roof!

Last night in the wind, a tile fell off my roof, it then promptly punched a hole, an actual hole in the roof of my car!

Fair enough, it was windy, it happens.

Both car and house are insured by direct line.

The roof tile is going to cost about 150, less my 75 excess,

The car, I assumed would be covered by my house insurance, as it was the house that hit it......Nope My car insurance has to pay for that, about 500 and the excess is 350!


How on earth should my car insurance pay! The car was on my drive! And it was my houses fault!

I am way past peeved with this one!

It looks like with the value of both claims, versus the cost of increased premiums and lose of no-claims discount, I'm going to have to pay for both myself!

Why bother having insurance!

PS the bloke at Direct Line suggested that they might not cover my roof ridge tile coming off as it might be fair wear and tear! How in the name of all things holy does a roof tile falling off ever count as fair wear at tear. They are designed to be in place for the life of the building, and most definitely longer than the 12 years the house has been up!
 
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Re: House kills car roof!

WOW!
Sorry to hear that
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Re: House kills car roof!

bad one, hope you can get them to sort it for you
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Re: House kills car roof!

Doesn't the Direct Line advert specifically show a house destroying a car too?! The cheek! Trading Standards time!
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Re: House kills car roof!

Sounds very expensive to replace a roof tile, they only cost a couple of quid

Unlucky Matey, hope it all gets sorted
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Re: House kills car roof!

Was it the Audi? See, alloy may be light but it's fragile

Seriously, hope it gets sorted & your insurance doesn't play silly buggers
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Re: House kills car roof!

Quote:
Originally Posted by AndyMac View Post
Last night in the wind, a tile fell off my roof, it then promptly punched a hole, an actual hole in the roof of my car!

Fair enough, it was windy, it happens.

Both car and house are insured by direct line.

The roof tile is going to cost about 150, less my 75 excess,

The car, I assumed would be covered by my house insurance, as it was the house that hit it......Nope My car insurance has to pay for that, about 500 and the excess is 350!


How on earth should my car insurance pay! The car was on my drive! And it was my houses fault!

I am way past peeved with this one!

It looks like with the value of both claims, versus the cost of increased premiums and lose of no-claims discount, I'm going to have to pay for both myself!

Why bother having insurance!

PS the bloke at Direct Line suggested that they might not cover my roof ridge tile coming off as it might be fair wear and tear! How in the name of all things holy does a roof tile falling off ever count as fair wear at tear. They are designed to be in place for the life of the building, and most definitely longer than the 12 years the house has been up!
I wouldn't touch Direct Line with a bargepole any more, since they doubled my household premium after refusing to pay out on a claim (high wind damage - not a Vindaloo - to my chimney), which they put down to natural wear and tear (40 year old house). They also tried to do me out of a no claims bonus, which the other party admitted was their fault.
Insurance companies - who needs them?
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Re: House kills car roof!

Well, it'll be cheaper than the tile hitting you in the head instead...

THAT would leave a mark!
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Re: House kills car roof!

Sorry to hear about this
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Re: House kills car roof!

Yep, the tile replacement is going to cost £160! The guy doing it said that the firm will be doing 18 tomorrow at different houses. The wind seems to have hit them all hard. It would seem a big bit of the price is insurance as the policy for people falling has gone through the roof!

Also it seems the health and safety wombles have been getting involved and suggest that anything over second story window height needs full scaffolding! That adds about £400 to the bill as it takes half a day to put up, 10 minutes to do the job and half a day to take down!

Anyway, I'm paying for that as the policy excess is £75 and the premium would likely go up by more than I get back!

Car booked into Gladwins in Peterborough tomorrow for assessment. Given that the last two cars that have been there to visit have never come out, it doesn't give me a warm fuzzy feeling.
 
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Re: House kills car roof!

There was an article in Sunday Times about this sort of thing, apparently the argument is that the tile coming off the roof is "an Act of God" so the householder (you) and therefore the insurer isn't liable for the damage caused.........unless the cause is lack of maintenance in which case they'd refuse to pay anyway.....

Heads they win, tails you lose......
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Re: House kills car roof!

Is your car insured in your wifes name? try claim under the third party section of your policy, if it is, you will have only one excess to pay from your house claim!!! result????
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Re: House kills car roof!

Quote:
Originally Posted by rgwm View Post
There was an article in Sunday Times about this sort of thing, apparently the argument is that the tile coming off the roof is "an Act of God" so the householder (you) and therefore the insurer isn't liable for the damage caused.........unless the cause is lack of maintenance in which case they'd refuse to pay anyway.....

Heads they win, tails you lose......
How do you explain an "Act of God" to an atheist??

That has to be interesting.
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