Insurance cover damage to a fence?

mondeo · 08-10-2013 1:29pm #1

Would my car insurance cover damage to somones fence? Reversed into someones fence the other evening and it apparently has to be re seated into the ground to straighten it properly. Its a wooden fence about 2ft high.

Thanks

V.W.L 11 · 08-10-2013 1:31pm

mondeo wrote: »

Would my car insurance cover damage to somones fence? Reversed into someones fence the other evening and it apparently has to be re seated into the ground to straighten it properly. Its a wooden fence about 2ft high.

Thanks

i imagine so seeing as its the property of a third party and third party only is the most basic insurance you can get

CiniO · 08-10-2013 1:38pm

Yes.

jimgoose · 08-10-2013 1:39pm

Yup, that's what it's for.

mondeo · 08-10-2013 1:47pm

I was just wondering since its damage related to a property. The guy is getting it fixed and he is giving me the receipt for the work so if its small money I'll pay out of my own pocket, if not its good to know the insurance covers it.

jinkybhoy · 08-10-2013 2:37pm

better get some pictures of it before the work is carried out - Insurance might refuse claim if they can't see what damage was done before hand.

mickdw · 08-10-2013 2:40pm

Yes that would be covered but you would be declaring an accident and no doubt going through a full claims process. I can't see it being worth your while claiming.

biko · 08-10-2013 2:40pm

Full comp should cover it but ask your insurer/look at T&C.

CiniO · 09-10-2013 6:31pm

biko wrote: »

Full comp should cover it but ask your insurer/look at T&C.

Why "Full comp"?
In relation to OP question it should make completely no difference if it's fully comprehensive policy or third party only.

oldyouth · 09-10-2013 7:23pm

The 3rd party section of your policy will cover you for injury or damage to other parties for which you are responsible. This includes the 3rd party's property of each and every description.

From what you have described OP, it would fall in to the area where you're probably best sorting it yourself

dnme · 09-10-2013 7:29pm

OP,

Bear in mind the hit to your NCB. It's worth while doing a few rough calculations. A 60% NCB will take about 6 years to recover and for each of those years you are paying more in your premium, on the other hand if it's at 10-20%, might be worth claiming. If it's a wooden fence, few hundred quid - then seriously think about paying out of your pocket but do the sums.

Atlantic Dawn · 09-10-2013 8:09pm

Even if a 2ft fence was in the Taj Mahal it would likely be worth paying out with your own cash than losing your NCB over it.

Insurance cover damage to a fence?

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