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!