Insurance question

**superjackal** · 11th November 2013, 15:29

My wife left the car parked outside the warehouse and the wind blew a trolley into it hard enough to smash a big hole in the rear bumper. The Warehouse has a sign accepting no damage to cars from trolleys in the carpark.

Usually excess is due for liability. However, if it’s not your fault (as in this case) do you still have to pay the excess? Anyone had any experience or luck with this?

(As an aside – how can the Warehouse accept no responsibility in manner? Can I put a sign on my car not accepting responsibility for any road accidents?)

**Murray** · 11th November 2013, 15:37

so if someone had rammed your car with the trolly or broken into and stolen something from your car would the warehouse be responsible??

Whose responsible in large malls etc the company that owns the trolley? Even though it may have been a client of theirs that has left it in position to cause damage.

Sorry don't think you can blame them

**onearmedbandit** · 11th November 2013, 17:05

If you want it fixed, you'll need to stump up for the excess.

**EJK** · 11th November 2013, 17:12

Save your no claim bonus. You're welcome.

**Owl** · 11th November 2013, 17:25

Originally Posted by onearmedbandit

If you want it fixed, you'll need to stump up for the excess.

^^^^^^^^^

**jellywrestler** · 11th November 2013, 17:36

Originally Posted by superjackal

(As an aside – how can the Warehouse accept no responsibility in manner?

would you accept respnosibility for the kind of people who just walk off and leave their trolley in the middle of a carpark on a windy day????? fuck yeah good way to get damage sorted, cause it yourself and claim it off the supermarket too!!! not saying you did but it could happen

**superjackal** · 12th November 2013, 09:20

Originally Posted by jellywrestler

would you accept respnosibility for the kind of people who just walk off and leave their trolley in the middle of a carpark on a windy day????? fuck yeah good way to get damage sorted, cause it yourself and claim it off the supermarket too!!! not saying you did but it could happen

As it turns out the Warehouse have been exceptionally helpful good in this instance and we're happy. The incident was witnessed by another shopper and reported to Warehouse staff before my wife even knew.

You're right it's hard for a company to accept responsibility for irresponsible people or wind. Perhaps they could appoint staff to mind carparks, assist shoppers or not allow trolleys to be removed from store. It's an issue and it needs to be addressed.

The world is also full of honest folk.

**superjackal** · 12th November 2013, 09:22

Originally Posted by EJK

Save your no claim bonus. You're welcome.

Sorry for double post. "Lifetime no claims bonus guarantee" with AA Insurance.

**shafty** · 12th November 2013, 12:01

I've always assumed the signs such as " The Whorehouse accepts no responsibility etc...." Means that if you use their car park it's on the basis that you accept that/those conditions........

**sil3nt** · 12th November 2013, 12:12

Our car was stolen and was then involved in an accident. We knew who stole it and who crashed into the car. We still had to pay excess to get it fixed.

**superjackal** · 13th November 2013, 10:36

Originally Posted by sil3nt

Our car was stolen and was then involved in an accident. We knew who stole it and who crashed into the car. We still had to pay excess to get it fixed.

Really don't understand the whole excess thing. Isn't insurance all about protecting us from financial pain?

**wtf?** · 13th November 2013, 10:53

an excess is the insurance companys way of giving you some incentive to avoid a claim altogether. It also allows you to share some risk and reduce the premium. insurance companies will go you for the excess if you cant find anyone else at fault.

once i wrote off my mates car by hitting a horse at night. the insurance tried to deduct the excess from his claim till i had a big stand up argument with them about them persuing the owner of the horse for their excess. i got him his money but they will try it on.

whether or not the waiver or responsibility by the warehouse in posting that sign is legal is another matter. either way it'd cost more than your excess to find out. and they know this

**Tazz** · 13th November 2013, 10:59

Originally Posted by superjackal

Really don't understand the whole excess thing. Isn't insurance all about protecting us from financial pain?

No. It's a business. They are there to make money from you. Plain and simple.

**superjackal** · 13th November 2013, 14:29

Originally Posted by Tazz

No. It's a business. They are there to make money from you. Plain and simple.

Aside from a really nasty experience with Classic Cover and Vero, on the whole, insurance has been pretty good for me. I do struggle balancing their marketing and reality though.