cjquicksilver

iTrader: (23)

A tree has blown over and crushed my car trailer, it's stored at a mates farm, and the high winds blew a big tree over and flattened the car trailer, snapping the axels and bending the bed, they have public liability insurance but obv I don't have the trailer insured so can I claim off there public liability insurance or do I just take a loss??

scoobyvirgin

Probably a loss. Were you paying to store it there?

cjquicksilver

iTrader: (23)

No just a favour :-(

addi monster

iTrader: (6)

I think its classed as an act of god which they wont pay you out im affraid,.

cjquicksilver

iTrader: (23)

They are willing to try n claim through there insurance but I'm just curious as to what the outcome may be as to not get my hopes up

stevebt

iTrader: (8)

As its not thier trailer they will tell you to claim from your own insurance!

David Lock

I won a claim for storm damage so not necessarily an act of God. I would pursue a claim through his insurance. dl

cjquicksilver

iTrader: (23)

Through public liability ye?

marcevs72

iTrader: (5)

just say it was attatched to your car at the time and you were damn lucky it didnt hit your car as well.lol. that way your covered on your own insurance.

David Lock

Yeah, same as if a tile fell off his roof and smashed into your car. Worth a shot anyway. dl

ALi-B

iTrader: (1)

Depnds on how your mate takes it.

Public liability is the correct way, I mean if it was a visitor's car they should pay out, so why not the trailer? I think the crux is how long the trailer has been there, I'd just say its being loaned or was stored short term.

Was the tree TPO'd? I'd wish mine would blow down - then I'd sue the council for preventing me from pruning it to a safe height

David Lock

Your council would have a hell of a job showing that it was you pruning the tree rather than you tidying it up after a storm had torn down many of the branches They would never know anyway (unless neighbour drops you in it).

dl

cjquicksilver

iTrader: (23)

dont want to claim on my insurance as then appart from paying the excess, the premium would go up also

stevie boy

what about your mates premium?

stevebt

iTrader: (8)

So its ok for your friends to pay the excess and for their insurance to go up as long as its not yours?

cjquicksilver

iTrader: (23)

yup hes rich lol

Midlife......

iTrader: (2)

Don't trailors have to have their own insurance ?

Shaun