What am I entitled to claim for ?

[pxh38257]

My motorhome was accidentally damaged enough so I cannot legally drive it on the road, nobody was in it at the time and nobody was hurt.
obviously I have got insurance but as it looks as if I will not be able to use my motorhome for around 3 months whilst I wait for it to be repaired what if anything am I allowed to claim for off the other parties insurance as we had planned and booked trips away.?
Obviously I will be claiming for its repair and my excess but can I claim for the following?
1 Damaged none standard items fitted to my motorhome.?
2. Hire of a suitable motorhome for planned trips where I have already purchased tickets to attend events. (I don’t want to claim to just have a motorhome sat on my drive not being used.) or cost of a hotel if it’s cheaper.?
3. 3 months insurance as I cannot use it?
4. 3 months tax as I cannot use it On the road.?
5. 3 months mot ?
6. transport of my motorhome too the place where it will be repaired.?
7. Travelling expenses when I collect it when work is completed Train and taxi.?
8. Excess mileage on my car as 2 of my planned trips in our motorhome were to the Scottish highlands which will put me over my milage allowance on my ppc contract If I use a hotel for our accommodation.?

am I missing anything or being unreasonable.?

 

[Jim]

Your policy will tell you what you can claim. Most all the things you mention are consequential losses and unfortunately insurers rarely, if ever, cover any kind of indirect costs without a fight.

 

[1967bowesj]

Point 6 will be in the claim against 3rd party.
7 will probably be covered by the hire car part if you get one.
All the others you will be fighting for as Jim said above consequential and therefore you would be fighting that out with insurance. I’m sure the loss adjuster will be more than happy to advise what you can claim for.

 

[gus-lopez]

am I missing anything or being unreasonable.?

Yes ,I would be along with200€ per letter,email,phon call ,hour of part hour conversing eith them.

Your policy will tell you what you can claim. Most all the things you mention are consequential losses and unfortunately insurers rarely, if ever, cover any kind of indirect costs.

Nothing to do with his insurance. . He's claiming from the other vehicles insurance.

 

[Odd-no-more]

My motorhome was accidentally damaged enough so I cannot legally drive it on the road, nobody was in it at the time and nobody was hurt.
obviously I have got insurance but as it looks as if I will not be able to use my motorhome for around 3 months whilst I wait for it to be repaired what if anything am I allowed to claim for off the other parties insurance as we had planned and booked trips away.?
Obviously I will be claiming for its repair and my excess but can I claim for the following?
1 Damaged none standard items fitted to my motorhome.?
2. Hire of a suitable motorhome for planned trips where I have already purchased tickets to attend events. (I don’t want to claim to just have a motorhome sat on my drive not being used.) or cost of a hotel if it’s cheaper.?
3. 3 months insurance as I cannot use it?
4. 3 months tax as I cannot use it On the road.?
5. 3 months mot ?
6. transport of my motorhome too the place where it will be repaired.?
7. Travelling expenses when I collect it when work is completed Train and taxi.?
8. Excess mileage on my car as 2 of my planned trips in our motorhome were to the Scottish highlands which will put me over my milage allowance on my ppc contract If I use a hotel for our accommodation.?

am I missing anything or being unreasonable.?

Do you have legal cover on your MOHO policy? If so they will help you claim from the other party

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[62272]

I am not clear on whether the OP is asking what they can claim off their own insurance, or from a third party, assuming the third party is wholly responsible for the damage being caused, AND was insured or has sufficient means to pay all the losses that the OP has suffered.

If the OP is just referring to his own insurance (i.e. fully comp policy) then they will need to refer to the terms of the policy and discussion with the broker.

If the OP is seeking to claim losses from the third party, assuming entire fault is not in dispute, and they are adequately insured/have means to cover losses, then all of the losses could be considered and it would be ultimately up to a civil court judge/recorder to determine if the losses claimed were reasonable in the event of them being unpaid.

My advice would be, limit your losses as far as possible. It is unlikely in these circumstances that you will get back everything you have lost, and it can take a considerable time to claim back losses from other parties, including causing you a lot of hassle!

 

[PhilMary]

You should be able to claim for ANY extra costs that are incurred due to the other party, however, some of these costs you may not have insured yourself against. Your normal vehicle insurance lists the things you can claim. The rest you will have to sue for.

 

[Speve]

What and how did damage occur?

 

[The Wino]

What I would be careful about using is companies that sort out a hire car claim for you etc . If for any reason they cannot claim from the other insurance you're likely to end up paying yourself.

 

[Jimbohorlicks]

Best to check with your insurer and ask their advice after all they will be claiming off the other party

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[The Coops]

The key word to use in any correspondence is Diminution, you want to be in a position where you are not worse off because of the third parties actions. You may get credit hire companies calling you offering a *free* vehicle to use, the danger with this is that unless the motorhome is your sole and only means of transport, you may end up getting stiffed with enormous hire charges as the other parties will advocate that cheaper forms of transport were and are available. As Jim has mentioned the losses are consequential and not likely to be covered but if you submit a claim showing you are out of pocket, you would struggle with the items you have listed as Scotland will still be there, you can SORN the Motorhome, the insurance will still need to be continued and the motorhome is being repaired. I would advocate a letter or email to a named person at the third party insurers outlining your potential out of pocket expense due to their clients actions and seek a payment to cover your good will in this matter and don't forget the key word. It will trigger action hopefully

 

[Minxy]

I am not clear on whether the OP is asking what they can claim off their own insurance, or from a third party, assuming the third party is wholly responsible for the damage being caused, AND was insured or has sufficient means to pay all the losses that the OP has suffered.

obviously I have got insurance but as it looks as if I will not be able to use my motorhome for around 3 months whilst I wait for it to be repaired what if anything am I allowed to claim for off the other parties insurance as we had planned and booked trips away.?

 

[62272]

Thank you Minxy, you should have added 'must try harder' lol

 

[SpeedyDux]

Effectively there are 2 parallel claims here.

The uninsured loss claim is basically separate from the vehicle damage etc covered by the OP's policy. It is up to the OP's insurers to deal with that and claim their outlay from the negligent third party driver's insurers. That should be settled between insurers and the OP has no say in how that happens. That can be frustrating if it is settled on a knock-for-knock basis. That shouldn't affect the uninsured loss claim.

It is the other negligent driver who is personally liable for uninsured loss incurred by the OP, whose claim for damages should be made against him (or her) personally. That party will have to pay any excess plus anything not covered under his/her vehicle policy, out of his/her own pocket.

It is also a rule that the OP must take reasonable steps to mitigate his own loss.

 

[The Wino]

We still don't know the circumstances of the claim

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[Puddleduck]

Your policy will tell you what you can claim. Most all the things you mention are consequential losses and unfortunately insurers rarely, if ever, cover any kind of indirect costs.

I don't think most of it will be covered by your motorhome insurance policy but if you have legal cover on any of your insurance policies (doesn't have to be the MH insurance) you could use that to make a third party claim for consequential losses.

My experience of this is that it will take a long time and is about brinksmanship - as in who is actually prepared to go to court and argue the case.

 

[DerryW]

I always moan when asked to pay extra for legal cover when renewal is due, but I’ve recently had the need to draw on this service and it’s saved me c£2k for uninsured loss.
Hopefully the OP has legal cover and can help to recover is uninsured losses.

 

[Puddleduck]

I always moan when asked to pay extra for legal cover when renewal is due, but I’ve recently had the need to draw on this service and it’s saved me c£2k for uninsured loss.
Hopefully the OP has legal cover and can help to recover is uninsured losses.

Legal cover was invaluable to me after my (not my fault) car accident. It did take 4 years to sort out and was only settled the week before we were due in court. Perhaps I would have been awarded more in court but perhaps not - that is something we all have to make our own decisions about with the advice of our legal teams. I was awared enough to buy a second hand motorhome and have it adapted for the disability resulting from the accident.

 

[Captain Birdseye]

My motorhome was accidentally damaged enough so I cannot legally drive it on the road, nobody was in it at the time and nobody was hurt.
obviously I have got insurance but as it looks as if I will not be able to use my motorhome for around 3 months whilst I wait for it to be repaired what if anything am I allowed to claim for off the other parties insurance as we had planned and booked trips away.?
Obviously I will be claiming for its repair and my excess but can I claim for the following?
1 Damaged none standard items fitted to my motorhome.?
2. Hire of a suitable motorhome for planned trips where I have already purchased tickets to attend events. (I don’t want to claim to just have a motorhome sat on my drive not being used.) or cost of a hotel if it’s cheaper.?
3. 3 months insurance as I cannot use it?
4. 3 months tax as I cannot use it On the road.?
5. 3 months mot ?
6. transport of my motorhome too the place where it will be repaired.?
7. Travelling expenses when I collect it when work is completed Train and taxi.?
8. Excess mileage on my car as 2 of my planned trips in our motorhome were to the Scottish highlands which will put me over my milage allowance on my ppc contract If I use a hotel for our accommodation.?

am I missing anything or being unreasonable.?

All those things provided you have receipts and your insurance company should do that for you.
I was successful in similar circumstances and I got everything from the other insurance company by coaching the legal people.

 

[gus-lopez]

Best to check with your insurer and ask their advice after all they will be claiming off the other party

Your own insurer in the Uk will want to settle for the least amount of work & knock for knock if they can get away with it. I would not even entertain them doing anything as the broker you pay should be acting on your behalf to ensure you recieve the full amount of losses & to put you back , as best as they can , in the situation you were in 1 second before the accident happened.

and I got everything from the other insurance company by coaching the legal people.

well done but you shouldn't have to be educating them they should be on it like a dog after a bone.

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[pxh38257]

Thank you all for your input. My insurance is classing it as not at fault claim and will sort out the repair then claim it back plus my excess from the other insurance company. I have also had a discussion with the legal dept and was surprised when I was told my vehical could still be driven without the drivers wing mirror, and the damaged mirror could just be screwed back on. I have copied and pasted the wording from the Highway Code and also about my insurance says I am entitled to a motorhome on hire “if” a suitable one is available.
I actually thought the legal team employed by my insurance company was there to help me, it seemed anything but.

 

[MerlinUK]

My motorhome was accidentally damaged enough so I cannot legally drive it on the road, nobody was in it at the time and nobody was hurt.
obviously I have got insurance but as it looks as if I will not be able to use my motorhome for around 3 months whilst I wait for it to be repaired what if anything am I allowed to claim for off the other parties insurance as we had planned and booked trips away.?
Obviously I will be claiming for its repair and my excess but can I claim for the following?
1 Damaged none standard items fitted to my motorhome.?
2. Hire of a suitable motorhome for planned trips where I have already purchased tickets to attend events. (I don’t want to claim to just have a motorhome sat on my drive not being used.) or cost of a hotel if it’s cheaper.?
3. 3 months insurance as I cannot use it?
4. 3 months tax as I cannot use it On the road.?
5. 3 months mot ?
6. transport of my motorhome too the place where it will be repaired.?
7. Travelling expenses when I collect it when work is completed Train and taxi.?
8. Excess mileage on my car as 2 of my planned trips in our motorhome were to the Scottish highlands which will put me over my milage allowance on my ppc contract If I use a hotel for our accommodation.?

am I missing anything or being unreasonable.?

I would say yes. At the end if the day you don't have to accept their insurance companies offer.. You could sue the insured personally.

 

[The Wino]

Thank you all for your input. My insurance is classing it as not at fault claim and will sort out the repair then claim it back plus my excess from the other insurance company. I have also had a discussion with the legal dept and was surprised when I was told my vehical could still be driven without the drivers wing mirror, and the damaged mirror could just be screwed back on. I have copied and pasted the wording from the Highway Code and also about my insurance says I am entitled to a motorhome on hire “if” a suitable one is available.
I actually thought the legal team employed by my insurance company was there to help me, it seemed anything but.

Maybe they are helping you. They could be pointing out things that the other party are likely to contest and have a chance winning. In that case you would be left with the bill for the rental. Won't the mirror screw on?

 

[DavidG58]

My last two accidents were no fault and other drivers fully admitted liability, their insurance companies rang me before I had even told mine to arrange everything and avoid third party intervention

I would want to be very sure the other party intend to pay for the repairs before chasing for the rest

Can we see a photo of the damaged mirror, I presume your insurance company will have seen that before suggesting refitting it , there might be options other than hiring

 

[gwyntaxi]

My motorhome was accidentally damaged enough so I cannot legally drive it on the road, nobody was in it at the time and nobody was hurt.
obviously I have got insurance but as it looks as if I will not be able to use my motorhome for around 3 months whilst I wait for it to be repaired what if anything am I allowed to claim for off the other parties insurance as we had planned and booked trips away.?
Obviously I will be claiming for its repair and my excess but can I claim for the following?
1 Damaged none standard items fitted to my motorhome.?
2. Hire of a suitable motorhome for planned trips where I have already purchased tickets to attend events. (I don’t want to claim to just have a motorhome sat on my drive not being used.) or cost of a hotel if it’s cheaper.?
3. 3 months insurance as I cannot use it?
4. 3 months tax as I cannot use it On the road.?
5. 3 months mot ?
6. transport of my motorhome too the place where it will be repaired.?
7. Travelling expenses when I collect it when work is completed Train and taxi.?
8. Excess mileage on my car as 2 of my planned trips in our motorhome were to the Scottish highlands which will put me over my milage allowance on my ppc contract If I use a hotel for our accommodation.?

am I missing anything or being unreasonable.?

As I understand it, you are “supposed” to be reimbursed to the point where you are back in the position you were before the “mishap” whether that will happen is another thing but that’s what’s supposed to happen, just keep all your receipts for any relevant out of pocket expenses and submit DUPLICATES when you have your van back, then submit the expenses claim and even go through the small claims court if necessary....Just sayin

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[MontyB]

I might of missed it but nobody has mentioned although it is a no fault accident you will find that your insurance will increase on your other cars and vans I had a similar claim and asked the question with my insurance company and was told I could claim as this would effect all my insurances for at least the next five years.

 

[The Wino]

I might of missed it but nobody has mentioned although it is a no fault accident you will find that your insurance will increase on your other cars and vans I had a similar claim and asked the question with my insurance company and was told I could claim as this would effect all my insurances for at least the next five years.

I think a lot think no claims bonus is the same as no fault it isn't. Also if any insurances become due while the claim is being processed it will need to be declared as a claim in progress. Lastly on protected no claims they can still get you as they give the same discount but increase the base premiums! Short and curlies!

 

[Brains]

I might of missed it but nobody has mentioned although it is a no fault accident you will find that your insurance will increase on your other cars and vans I had a similar claim and asked the question with my insurance company and was told I could claim as this would effect all my insurances for at least the next five years.

We had a situation where the underage driver in a stolen car rolled it down our road.
He wrote off 3 parked cars and damaged 5 more.
Two cars ended up in front gardens with additional damage to walls etc.
9 cars in total within a 50m section of street, all with different insurers.

The insurance premiums, both car and house, for everyone in the road went through the roof.

 

[MacroMad]

"can I claim for the following?
1 Damaged none standard items fitted to my motorhome.?
2. Hire of a suitable motorhome for planned trips where I have already purchased tickets to attend events. (I don’t want to claim to just have a motorhome sat on my drive not being used.) or cost of a hotel if it’s cheaper.?
3. 3 months insurance as I cannot use it?
4. 3 months tax as I cannot use it On the road.?
5. 3 months mot ?
6. transport of my motorhome too the place where it will be repaired.?
7. Travelling expenses when I collect it when work is completed Train and taxi.?
8. Excess mileage on my car as 2 of my planned trips in our motorhome were to the Scottish highlands which will put me over my milage allowance on my ppc contract If I use a hotel for our accommodation.?

am I missing anything or being unreasonable.?"
Jesus, i hope i never run into you.
Your not American by any chance ?
This sort of thing is responsible for the high cost of insurance these days.

 

[Sedge5]

I remember many years ago an insurance agent (when we had those calling monthly for payment ) telling me that insurance works on ‘claim’ not ‘blame’. I guess it boils down to the statistical likelihood of an individual being involved in making a claim rather than whether it was their fault . . . hence even if we chose not to claim we’re still supposed to advise the insurer of any accident.

Not at all fair but as they say . . . life's not always fair . . .

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