watch out, chompy will tell you it's unnecessary.
Erm, will your household insurance help? I mean, it's not your fault, but like car insurance I think they can help first and make the other people pay later.
( the mighty badger Aphrodite, on a bar stool, by your side, Fri 26 Nov 2010, 17:21, 2 replies, latest was 15 years ago)

But then the premiums will go up.

( JeffTheDogFucker Can you dig it?, Fri 26 Nov 2010, 17:22, Reply)

no, because if it's not your fault it doesn't count as a claim.

( the mighty badger Aphrodite, on a bar stool, by your side, Fri 26 Nov 2010, 17:31, Reply)

Are you sure about that?
I know some companies use the 'it's a no claim discount, not a no blame discount' argument.
( JeffTheDogFucker Can you dig it?, Fri 26 Nov 2010, 17:36, Reply)

well they are fraudulent, then.
yep, I'm sure. I've been through some fairly interesting insurance claims. That's certainly how it works with car insurance companies. I can't promise for household insurance but I can't see why it would be different.
( the mighty badger Aphrodite, on a bar stool, by your side, Fri 26 Nov 2010, 17:41, Reply)

Other than it is different.

( Noeli overtheshoulderboulderholderthingstraplatchboobs, Fri 26 Nov 2010, 21:58, Reply)

Contents Insurance aren't interested as we aren't claiming off them (yet)
and I don't want to claim off them as I have a 6 years no-claims bonus.

Building insurance is arrange by the freeholder who is not being remotely understanding about this (but it ain't really a building insurance issue).
( crackhouseceilidhband Fuck off back to Mumsnet, Fri 26 Nov 2010, 17:23, Reply)

yeah, but like a car insurance policy
you won't lose no claims if you make a claim that isn't your fault. It's up to your insurance company to recover the costs from the party at fault. That's what insurance is for.

Seriously, it's probably worth phoning them. they could have you in a hotel in half an hour.
( the mighty badger Aphrodite, on a bar stool, by your side, Fri 26 Nov 2010, 17:31, Reply)

I might call them again.

( crackhouseceilidhband Fuck off back to Mumsnet, Fri 26 Nov 2010, 17:34, Reply)

Ask the builders
For details of their Public Liability insurers.

It's not compulsory to have PL insurance but any firm that doesn't is a cowboy operation.

If you claim through your Contents insurer that's the first question they'll ask, because they'll be wanting their outlay back off the builders.
( The Disappointed Caravanner of the year, Fri 26 Nov 2010, 18:45, Reply)