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Does house insurance cover damage to front wall of house?

  • 18-05-2023 11:39PM
    #1
    Coolaboy
    Registered Users, Registered Users 2 Posts: 433 ✭✭


    Hi folks. A car drove into the front pier and entrance gate at our house and drove off. All was left was broken glass and but of bumper? Will our house insurance cover the cost of fixing stone pier and large gate? Many thanks, Jimmy.



Comments

  • #2
    glenfieldman
    Registered Users, Registered Users 2 Posts: 1,978 ✭✭✭glenfieldman


    https://www.boards.ie/discussion/2058297075/does-house-insurance-cover-damage-to-front-wall-of-house

    Yes

    A car done the same to my front wall and insurance payed out

    But in this climate your premium might go up a lot



  • #3
    SuperBowserWorld
    Registered Users, Registered Users 2 Posts: 8,329 ✭✭✭SuperBowserWorld


    I'd say it depends on your policy. If you rang your insurer they'd let you know. But they'd have to point out the clause on your policy if you think they were fobbing you off.



  • #4
    Peregrinus
    Registered Users, Registered Users 2 Posts: 27,278 ✭✭✭✭Peregrinus


    Typically, yes; a home insurance policy will cover all permanent structures on the land, including the boundary wall. But the only way to find out if your policy does is to read it, or to ring the insurer and ask.



  • #5
    Del2005
    Registered Users, Registered Users 2 Posts: 19,166 ✭✭✭✭Del2005


    Check with your neighbours to see if any have cameras recording the road and you may be able to get the reg to claim off the person responsible.



  • #6
    spaceHopper
    Registered Users, Registered Users 2 Posts: 4,138 ✭✭✭spaceHopper


    Could you submit a claim through the uninsured drivers fund, that way you have no claim on your home insurance



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  • #7
    DownByTheGarden
    Registered Users, Registered Users 2 Posts: 1,786 ✭✭✭DownByTheGarden


    Claim off your own insurance. It would be very unusual for a policy not to cover that. If you find the driver then they will go after his insurance.



  • #8
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    Wouldn't this be a case for the MIBI?



  • #9
    Del2005
    Registered Users, Registered Users 2 Posts: 19,166 ✭✭✭✭Del2005


    https://www.boards.ie/discussion/comment/120616712#Comment_120616712

    You need to reg of the vehicle to do that. Which is why I said to check neighbours for cameras to get the reg and either go direct to the cars insurance or MIBI if they aren't insured


    Vehicle/Property Damage Claims

    The MIBI Agreement does not extend to the payment of compensation in circumstances where damage has been caused to vehicles and/or property caused by an unidentified vehicle.

    The only exception to this is when substantial personal injuries, involving an inpatient hospital stay for five days or more, are sustained as a result of the incident, subject to an excess of €500, i.e. the claimant must pay the first €500 of the damage claim.

    Unidentified Vehicles (mibi.ie)



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