I live in an area that's falling into the sea. The surveyors say my garage will fall into the sea within the next 3 years. Do you think I need to declare this to my car insurer, and can someone let me know if any company will cover me please? Thanks, x
2007-09-09 23:33:00 · 14 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Think about it, if someone told you that they where going to rob you, would you give them the keys to your house?
2007-09-09 23:37:14 · answer #1 · answered by wiseornotyoudecide 6 · 3⤊ 1⤋
I would say if you park in that garage, and it falls into the sea with your car, you have no coverage, and it doesn't matter what company. After all, it won't be an accident, and it is totally avoidable. Insurance is for unforseen circumstances. You should be moving the garage, after all, you have been warned. But then, if it falls into the sea while you are parking your car, you won't be around to claim, anyway!
The person that says your home insurance will cover it is wrong, wrong, wrong. Even if you park you car in the living room and use the front seat for tv watching it is not covered under contents coverage, ever.
2007-09-10 13:32:19 · answer #2 · answered by Fred C 7 · 0⤊ 0⤋
I suppose in theory you have to tell an insurance company (utmost good faith) but I don't think there will be any problems - you're not mad enough to park the car on the top of a cliff when a storm is approaching surely? Similarly you will have a good ide when the garage will fall into the sea and keep the car away from it.
2007-09-10 05:58:16 · answer #3 · answered by welcome news 6 · 0⤊ 0⤋
No, you will not be covered, you have to make "reasonable efforts to ensure the cars safety". Leaving it in a garage thats gearing up for a swim is not "reasonable effort."
and yes, you'll need to tell your insurance company.
isn't the car insurance the least of your worries ?
Best of luck with it.
2007-09-09 23:46:42 · answer #4 · answered by Michael H 7 · 0⤊ 0⤋
They may say that knowing the garage was going to dissapear and then parking it there that the loss was inevitable and not an accident
It's like putting your car in a crusher and trying to claim it was accidental
2007-09-10 00:40:53 · answer #5 · answered by Dreamweaver 4 · 1⤊ 0⤋
its against the law to give a another address ,unless you are living there .Its no good pleading dumb after the fact wont get you nowhere
its best if you can get a safe place to park away from your house and tell the insurance company otherwise you could be (pardon the pun) in the drink if it happens
2007-09-09 23:57:22 · answer #6 · answered by Anonymous · 0⤊ 0⤋
You will receive no compensation if this happens. Home Owners insurance does not cover "insurable vehicles". This includes cars, boats, ATV's and motorcycles.
2007-09-10 04:44:40 · answer #7 · answered by sensible_man 7 · 0⤊ 0⤋
I don't think car insurance would help you if your garage slipped into the sea.
I'm not sure if Home owners will even cover you in this case.
2007-09-09 23:38:13 · answer #8 · answered by Anonymous · 1⤊ 1⤋
I think you better find a new home first. That sounds terrible sorry. I think your insurer will probably charge you a fortune.
2007-09-09 23:41:15 · answer #9 · answered by Anonymous · 1⤊ 0⤋
I wouldn't even tell the car insurance carrier about it - they don't have anything to do with it. Your homeowner's insurance would cover it, if it went with the house into the sea.
Just make sure that your homeowner's insurance has the correct coverage to replace your car if it gets destroyed in or by the home.
2007-09-09 23:43:25 · answer #10 · answered by Goyo 6 · 0⤊ 4⤋