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Posts Tagged ‘Car Damage’

Safely remove icicles from the gutters

Friday, December 17th, 2010

There is no doubt that icicles hanging from houses is the stuff of Christmas cards and arouses the festive spirit in all of us. Icicles form on the property when warm air in the attic melts the snow on the roof. As the temperature rises, the melted water runs under the snow, it will then refreeze and form an icicle as it falls off the roof and gutters of the property.

They do however, represent danger. They can block a whole gutter and then as they hang over it, their spike-like shape presents a major danger to anyone or anything immediately below them. It is not unheard of for icicles to cause huge damage to vehicles parked in the garden. This can be very costly to drivers as it means a claim on the insurance, loss of a hard earned no claims bonus and an increased premium on the next motor insurance quote. It is best to remove icicles from your gutters as soon as they appear. Doing this will prevent larger and much more dangerous build ups.

Removing them can be done very easily. First, place a ladder against the house and near the icicles. Ensure that the ladder is high enough but more importantly that it’s secure and stable. It is always best to have someone holding the ladder and never climb or stand on a roof which is covered with snow and ice. Brush away all the excess snow from the gutter and all around it too. If you have a roof rake, use it to knock as much snow off the roof as possible. Pull the snow downward, to the ground and in the direction of the slope of the roof. Pulling the snow sideways can often damage the roof and break tiles.

Next it is time to remove the dangerous icicles by breaking off small pieces with a chisel and a hammer. Breaking off large pieces may damage the gutters or roof. Work slowly and patiently, removing one icicle at a time. Remove any ice, dirt and leaves from the gutter and if possible try to keep the gutters as clean as possible during the dry winter months. When it comes to ice in gutters the most important factor is prevention. Keep your gutters clean at all times and in all seasons because ice and snow are less likely to form build-ups in perfectly clean gutters. Icicles may add a seasonal touch to the look of your house, but they can be dangerous.

Tags: Advice, Car Damage, Car Insurance, Car Safety
Posted in Car Insurance | No Comments »

What happens if my car insurance claim is rejected?

Thursday, May 28th, 2009

Occasionally, insurance companies refuse to pay claims and can sometimes reduce the amount they are going to pay you. Usually, this is because of one or more reasons.

  • Clauses – You are not covered by a clause in the insurance policy and it would be better dealt with by another insurance policy i.e. home insurance.
  • In the event of a write-off – Your claim can also be reduced if your car has been written off and the value of the car is much less than what it would cost to restore it.
  • Supporting Information – If you do not have receipts for aspects of your claim for example theft of a laptop or iPod from your car then you are unable to make a claim.
  • Theft – Sometimes if an insurance company believes you were at fault for the theft of your vehicle or belongings inside your vehicle then you will not be able to make a claim.
  • Untruthful Information – If you have given inaccurate or untruthful information in relation to your claim then you are not able to make a claim.

What can you do?

  • Keep a record of all the conversations and correspondence in relation to your claim. This can really help with the success rate.
  • You don’t have to accept their offer. You can sometimes negotiate a better deal with your insurer in cases where you believe the sum they are willing to pay out is wrong. This can sometimes work well and you will get what you are owed.

If you are stuck and don’t know how to deal with something and you feel you are being treated unfairly by your insurance company then you can contact the Financial Ombudsman Service who are there to help.

You can either call the FOS on 0845 080 1800 or write to:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall

Or visit the website at: http://www.financial-ombudsman.org.uk/

Tags: Accidents, Car, Car Damage, Car Insurance, Car Insurance Claims, Insurance Cover Types
Posted in Car Insurance, Car Insurance Application, Car Insurance Claims, Car Insurance Cover Types | 1 Comment »

How to make a car insurance claim.

Thursday, May 28th, 2009

If you need to make a claim then this simple guide can help you. Millions of pounds are paid out each year for drivers in accidents or who have had their car damaged or stolen.

  1. Inform your insurance company as soon as possible.
  2. Write down an account of what happened which you can later refer back to when writing up your claim.
  3. If your claim is in relation to a crime such as theft or arson, inform the police as well. Your car insurance company will need to know an incident number if you are reporting a crime as well.
  4. Make sure you ask your insurer what you need to do next so you can provide evidence about your claim. Make sure your story is consistent – you don’t want to risk the insurance company thinking you’re lying.
  5. Keep all your documents relevant to the claim in a safe place and make sure you are available to be contacted by your insurance company.
  6. Keep copies of receipts for damages and any correspondence which affects your claim. When you speak to someone on the phone make sure you get their name and telephone extension for your records.
  7. Don’t take your car in for repairs until you have sorted everything out. Your car insurance company is likely to recommend a garage to you and it is safer for you if you take it there. Don’t make any repairs to your car until your car insurance company has agreed to pay for it.

Tags: Accidents, Car Damage, Car Insurance, Car Insurance Application, Car Insurance Claims, Cost Management, Fully Comp, Fully Comprehensive, Legal
Posted in Car Insurance, Car Insurance Application, Car Insurance Claims | No Comments »

Which type of car insurance do you require?

Thursday, May 28th, 2009

There are three levels of car insurance cover – third party; third party, fire and theft; and fully comprehensive. When purchasing car insurance it’s important to choose the option which will afford you the cover that you need.

The three levels of insurance cover are described below – take the time to read and understand the difference between them to make sure you select the right type of car insurance cover.

Third Party

This option offers only minimum coverage.
It covers you for:

  • Injury to other people
  • Damage to another person’s property or car
  • Accidents caused by passengers

It does not cover you:

  • If your car is stolen
  • If your car is damaged in a fire
  • If you damage your own car
  • For medical expenses
  • Loss or damage to personal possessions (which are in the car)

As this type of insurance offers only very limited cover, it is really only suitable for people who cannot afford more comprehensive cover.

Third Party, Fire & Theft
This offers the same coverage as third party, plus you are also covered in the event of a fire, or if your vehicle is stolen.

However it does not cover you :

  • If you damage your own car
  • For medical expenses
  • Loss or damage to personal possessions (which are in the car)

This type of cover offers a happy medium for those who cannot afford fully comprehensive cover.

Fully Comprehensive (‘Fully Comp’)
As the name suggests this type of insurance offers the same cover as third party, fire & theft; plus you are also covered if you damage your own car.

In addition to this you will also be covered for medical expenses, and loss or damage to personal possessions which are in your car. Please note, not all fully comp insurance policies offer precisely the same benefits. For example, in addition to the coverage outlined above, some insurers also offer fully comp customers additional benefits like courtesy cars in the event of an accident or theft. Many also offer protected no-claims bonuses.

Before taking out any policy it’s really important to thoroughly check that the policy offers exactly the cover which you require.

Summary of Cover

Third Party Third Party, Fire & Theft Fully Comprehensive
Injury to others Yes Yes Yes
Damage to other’s property or car Yes Yes Yes
Accidents caused by passengers Yes Yes Yes
Fire No Yes Yes
Theft No Yes Yes
Damage to your own car No No Yes
Medical expenses No No Yes
Loss or damage to personal possessions No No Yes

Tags: Accidents, Car Damage, Car Insurance, Car Insurance Summary, Personal Possessions, Third Party, Third Party Fire and Theft
Posted in Car Insurance, Women's Car Insurance, Young Drivers Car Insurance | No Comments »

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