Claiming against yourself
Discussion
In a moment of daydreaming I was wondering how the following scenario would play out.
To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?
Insured by 2 completely different companies of course.
Drawweight said:
In a moment of daydreaming I was wondering how the following scenario would play out.
To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?
Insured by 2 completely different companies of course.
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?
Insured by 2 completely different companies of course.
E-bmw said:
Drawweight said:
In a moment of daydreaming I was wondering how the following scenario would play out.
To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?
Insured by 2 completely different companies of course.
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?
Insured by 2 completely different companies of course.
E-bmw said:
Drawweight said:
In a moment of daydreaming I was wondering how the following scenario would play out.
To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?
Insured by 2 completely different companies of course.
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?
Insured by 2 completely different companies of course.
3rd party cover covers you against negligence claims, you cant sue yourself so you can't claim on insurance this way. There is no 3rd party
E-bmw said:
Drawweight said:
In a moment of daydreaming I was wondering how the following scenario would play out.
To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?
Insured by 2 completely different companies of course.
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?
Insured by 2 completely different companies of course.
He owned a taxi firm and two of his minicabs accidentally drove into each other at a speed where both were write-offs. The insurance company refused to pay out on the grounds of suspected fraud.
5lab said:
E-bmw said:
Drawweight said:
In a moment of daydreaming I was wondering how the following scenario would play out.
To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?
Insured by 2 completely different companies of course.
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?
Insured by 2 completely different companies of course.
3rd party cover covers you against negligence claims, you cant sue yourself so you can't claim on insurance this way. There is no 3rd party
E-bmw said:
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?
Because a 3rd party is not usually yourself - It's not rocket science. Insurance has it's own quirks, but wouldn't expect you can claim against yourself as a 3rd party. Onegoodleg said:
5lab said:
E-bmw said:
Drawweight said:
In a moment of daydreaming I was wondering how the following scenario would play out.
To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?
Insured by 2 completely different companies of course.
Why on earth would you think it as any different to a "normal" insurance claim where you are claiming against a 3rd party?To get my motorbike into my back garden I have to ride it up past my car. If I was to accidentally scrape the bike alongside the car could I claim for the damage to my car on my bike insurance?
Insured by 2 completely different companies of course.
3rd party cover covers you against negligence claims, you cant sue yourself so you can't claim on insurance this way. There is no 3rd party
Wife at the time (but mid divorce) drove one of my cars into another one of my cars on my drive. Nothing malicious / SWT just reversing and forgot the other car was parked there. I just paid out of pocket for both cars to be repaired and the insurance claim just seemed like a lose lose prospect.
Not sure of he's on here - might be in the crash thread but there was a guy a long time ago - one car on his drive caught fire, this released the handbrake when it melted - which rolled it into his other car parked at the bottom of the drive - burning that out too (A Subaru and an S4 from memory) fairly sure he would have had to claim off himself.
KungFuPanda said:
Yes. You’d be classed as the third party car owner.
No. You cannot be your own third party. This type of claim isn't unusual. People knock down their own walls going into their driveway. The demolish their garage by selecting drive instead of reverse when leaving their driveway. The car damage is covered by the car policy, but the car policy doesn't cover the property damage. If you hit your neighbours wall, it would.
TwigtheWonderkid said:
KungFuPanda said:
Yes. You’d be classed as the third party car owner.
No. You cannot be your own third party. This type of claim isn't unusual. People knock down their own walls going into their driveway. The demolish their garage by selecting drive instead of reverse when leaving their driveway. The car damage is covered by the car policy, but the car policy doesn't cover the property damage. If you hit your neighbours wall, it would.
Twig, you are usually the voice of reason on insurance matters, So could I claim for car damage off the bike insurance?
By what you're saying I couldn't.
Drawweight said:
Conflicting answers as I was expecting.
Twig, you are usually the voice of reason on insurance matters, So could I claim for car damage off the bike insurance?
By what you're saying I couldn't.
The third party element of your bike insurance covers your liabilities to other people. It doesn't cover "liabilities" to yourself - you don't have any liabilities to yourself because you can't sue yourself for damaging your own property. Twig, you are usually the voice of reason on insurance matters, So could I claim for car damage off the bike insurance?
By what you're saying I couldn't.
So no, the bike insurance won't cover damage to your own property (other than to the bike, and any bike accessories etc which are explicitly covered by the policy). You could of course claim on the car insurance policy, assuming it was comprehensive cover.
Aretnap said:
Drawweight said:
Conflicting answers as I was expecting.
Twig, you are usually the voice of reason on insurance matters, So could I claim for car damage off the bike insurance?
By what you're saying I couldn't.
The third party element of your bike insurance covers your liabilities to other people. It doesn't cover "liabilities" to yourself - you don't have any liabilities to yourself because you can't sue yourself for damaging your own property. Twig, you are usually the voice of reason on insurance matters, So could I claim for car damage off the bike insurance?
By what you're saying I couldn't.
So no, the bike insurance won't cover damage to your own property (other than to the bike, and any bike accessories etc which are explicitly covered by the policy). You could of course claim on the car insurance policy, assuming it was comprehensive cover.
Drawweight said:
TwigtheWonderkid said:
KungFuPanda said:
Yes. You’d be classed as the third party car owner.
No. You cannot be your own third party. This type of claim isn't unusual. People knock down their own walls going into their driveway. The demolish their garage by selecting drive instead of reverse when leaving their driveway. The car damage is covered by the car policy, but the car policy doesn't cover the property damage. If you hit your neighbours wall, it would.
Whenever there's a question asked where I'm not sure of the answer, I try to remember the old saying "better to keep your mouth shut and let people think you're a fool, that to open it and remove all doubt".
TwigtheWonderkid said:
KungFuPanda said:
Yes. You’d be classed as the third party car owner.
No. You cannot be your own third party. This type of claim isn't unusual. People knock down their own walls going into their driveway. The demolish their garage by selecting drive instead of reverse when leaving their driveway. The car damage is covered by the car policy, but the car policy doesn't cover the property damage. If you hit your neighbours wall, it would.
98elise said:
TwigtheWonderkid said:
KungFuPanda said:
Yes. You’d be classed as the third party car owner.
No. You cannot be your own third party. This type of claim isn't unusual. People knock down their own walls going into their driveway. The demolish their garage by selecting drive instead of reverse when leaving their driveway. The car damage is covered by the car policy, but the car policy doesn't cover the property damage. If you hit your neighbours wall, it would.
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