Chukar Posted May 18, 2015 Report Share Posted May 18, 2015 Our company is renting an office in a building which runs bay Avanta. I have a parking spot in the car park and today we had an accident. A piece of window glass (which broke due to strong wind) smashed into side of my car door and caused a big dent. There is also lots of scratches. I'm wondering can I claim through their building insurance? I don't want to go to my car insurance for obvious reason (increase in premium). Quote Link to comment Share on other sites More sharing options...
Gordon R Posted May 18, 2015 Report Share Posted May 18, 2015 I would be straight back to them - happened to me a few years ago. It took out the side window, but didn't touch the rest of the door. Quote Link to comment Share on other sites More sharing options...
Chukar Posted May 18, 2015 Author Report Share Posted May 18, 2015 I would be straight back to them - happened to me a few years ago. It took out the side window, but didn't touch the rest of the door. So you mean it's their responsibility? Quote Link to comment Share on other sites More sharing options...
fenboy Posted May 18, 2015 Report Share Posted May 18, 2015 Are there any signs saying you park at your own risk ? Quote Link to comment Share on other sites More sharing options...
Chukar Posted May 18, 2015 Author Report Share Posted May 18, 2015 I didn't see any, however I'll double check again. Quote Link to comment Share on other sites More sharing options...
coldweld Posted May 18, 2015 Report Share Posted May 18, 2015 ACT OF GOD ! Had a roof deposit its roof tiles on one of our vans in 2013, The buildings owners are not Liable ! You WILL have to clam on your car insurance and it will be classed as your fault ( you will lose your no claims discount unless you have protected as I had, BUT your insurance will still go up ) Sorry !! But been there done that Quote Link to comment Share on other sites More sharing options...
Cannon Posted May 18, 2015 Report Share Posted May 18, 2015 Act of God you say? Funnily enough I'm an atheist Mr insurance man. Quote Link to comment Share on other sites More sharing options...
overandunder2012 Posted May 19, 2015 Report Share Posted May 19, 2015 small claims them if they dont offer to pay Quote Link to comment Share on other sites More sharing options...
Chukar Posted May 19, 2015 Author Report Share Posted May 19, 2015 ACT OF GOD ! Had a roof deposit its roof tiles on one of our vans in 2013, The buildings owners are not Liable ! You WILL have to clam on your car insurance and it will be classed as your fault ( you will lose your no claims discount unless you have protected as I had, BUT your insurance will still go up ) Sorry !! But been there done that I don't know. Actually it was a tenant in 4th floor that had the window open and the gust shuts the window so hard that breaks half of it. Doesn't look pure act of god to me! I had a chat with the site manager and she told me they are in talk with higher management, let's see what would be the outcome. Quote Link to comment Share on other sites More sharing options...
bruno22rf Posted May 19, 2015 Report Share Posted May 19, 2015 I would suggest that the answer is along the lines that fenboy mentioned-you park at your own risk-even more likely if its free parking. Quote Link to comment Share on other sites More sharing options...
old man Posted May 19, 2015 Report Share Posted May 19, 2015 Not sure you can give away your duty of care just by putting a sign up? what would hase been the situation if the glass had caused serious injury? Just do your homework? Quote Link to comment Share on other sites More sharing options...
Chukar Posted May 19, 2015 Author Report Share Posted May 19, 2015 I would suggest that the answer is along the lines that fenboy mentioned-you park at your own risk-even more likely if its free parking. The fact is we are paying for this parking spots. So I assume it comes with some responsibility from provider which happens to be the same entity that caused the damage. Quote Link to comment Share on other sites More sharing options...
keg Posted May 19, 2015 Report Share Posted May 19, 2015 When mum was still driving a few years ago, she was in a queue for the tip when a man who couldn't wait came past and dropped his TV down mum's car door. He claimed that was an act of god! Quote Link to comment Share on other sites More sharing options...
Konnie Posted May 19, 2015 Report Share Posted May 19, 2015 last people to inform are your insurance, as soon as you report it, it is classed as a accident, If you have no look finding a solution think about paying yourself, before calling them. Quote Link to comment Share on other sites More sharing options...
Chukar Posted May 19, 2015 Author Report Share Posted May 19, 2015 last people to inform are your insurance, as soon as you report it, it is classed as a accident, If you have no look finding a solution think about paying yourself, before calling them. That's what I'm doing now. I went to Toyota dealership (my car is Prius) and they quote me £1700 and a week of work! Talked with a guy from local garage and he told should be around £300 and maximum 2 days job. I'm still waiting for landlord to come back to me. Quote Link to comment Share on other sites More sharing options...
chrisjh Posted May 19, 2015 Report Share Posted May 19, 2015 all sorts of criteria to consider, if you are renting under what terms lease or licence tenancy at will or serviced office ?, are you the only occupier the terms will specify who insures what in the building Quote Link to comment Share on other sites More sharing options...
coldweld Posted May 19, 2015 Report Share Posted May 19, 2015 (edited) You might be shocked BUT even if part of a building falls off due to abnormal weather and kills a bystander, there is very little chance of an insurance pay out ! Ps My claim was £7500 for dent's and paint damage to a six month old VW T5 van, glad I had protected no claims BUT insurance still went up, including my personal and wife's as i'm a named driver Edited May 19, 2015 by coldweld Quote Link to comment Share on other sites More sharing options...
39TDS Posted May 19, 2015 Report Share Posted May 19, 2015 When mum was still driving a few years ago, she was in a queue for the tip when a man who couldn't wait came past and dropped his TV down mum's car door. He claimed that was an act of god! If it was my Mum I'd have ensured he met the man himself a lot sooner than expected. Quote Link to comment Share on other sites More sharing options...
Chukar Posted May 20, 2015 Author Report Share Posted May 20, 2015 all sorts of criteria to consider, if you are renting under what terms lease or licence tenancy at will or serviced office ?, are you the only occupier the terms will specify who insures what in the building It's a serviced office and I'm not the only occupier. I contacted our company real estate guy and he told me the contract is a bit vague however it can interpret as landlord is responsible for this. Anyway, I just spoke to site manager and she told they are gathering all the information and I will receive a call from their management about the next step. fingers crossed they oblige to pay for this. Quote Link to comment Share on other sites More sharing options...
TIGHTCHOKE Posted May 20, 2015 Report Share Posted May 20, 2015 If the window fell out it should be down to either the person that opened the window, the landlord of the site or the firm that maintain the site! Quote Link to comment Share on other sites More sharing options...
keg Posted May 20, 2015 Report Share Posted May 20, 2015 If it was my Mum I'd have ensured he met the man himself a lot sooner than expected. A short phone call sorted it out. To give him his due, his cheque arrived within a couple of days. Quote Link to comment Share on other sites More sharing options...
Brodie Posted May 20, 2015 Report Share Posted May 20, 2015 Reading this topic with interest and looking forward th the outcome. Regarding telling your own car insurer - it was brought up in a newspaper article recently that you are obliged, by the policy terms, to notify the insurer of any accident or occurrence irrespective of intending to claim or not. Even if you don't claim, and it was not your fault, they can put up your insurance because you were involved in an accident. Worth remembering insurers give claim information to each other. You really can't win with an insurance company! Quote Link to comment Share on other sites More sharing options...
subsonicnat Posted May 20, 2015 Report Share Posted May 20, 2015 some years ago, a bloke hit me down the side of the car. Admitted liablitiy, got my car fixed (MY INSURANCE WENT UP ) the Next Year. When pointing out it had been settled by the other party, they explained it was STILL and Accident and I had to cough up.. Do you know why ?. They are ALL in EACH OTHERS POCKETS:::: You Can`t Win: It Might As Well be One Gigantic Insurance Company... (Which it is).. Quote Link to comment Share on other sites More sharing options...
keg Posted May 21, 2015 Report Share Posted May 21, 2015 Honest John says pretty much the same thing, it's all about making money. Quote Link to comment Share on other sites More sharing options...
Chukar Posted September 10, 2015 Author Report Share Posted September 10, 2015 I know it took couple of months but eventually I got the money for repair from Avanta. Now the question is should I go to local garage (paying £300 and keeping the rest for me) or it's better to hand over all of it to Toyota dealership and have a better job? Quote Link to comment Share on other sites More sharing options...
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