Etiquette

**All** · 10th March 2008, 07:13

Originally Posted by Mom

If your bike gets damaged by something being blown into it, all you have to do is make a claim on your own insurance. It is not your fault and does not mean you lose your no claims discount. If you are not insured you get to pay. Nobody expects their bike to get blown over, is an "Act of God" type claim.

I once had a 3 seater swing seat get picked up off my tiny upstairs patio by the wind, it missed the soffit and spouting on my house, rearranged my firewood lean to and went over the fence and parked itself into my neighbours car! Very messy and an expensive repair.

No fault of mine, I was not negligent, and her insurance paid out with no loss of her no claims.

That is why we have insurance, its for the Oh fuck! moments!

You forget the $1000 excess.

**Mom** · 10th March 2008, 07:35

Originally Posted by All

You forget the $1000 excess.

In a no fault event there is no excess.

**All** · 10th March 2008, 08:00

Originally Posted by Mom

In a no fault event there is no excess.

I like the sound of that.

**BiK3RChiK** · 10th March 2008, 12:53

Originally Posted by Mom

In a no fault event there is no excess.

Really? I must go and look up my policy again... What about the no claims bonus? I suppose that goes west! So it will still end up costing.

M

**Deviant Esq** · 10th March 2008, 15:21

Originally Posted by BiK3RChiCK

What about the no claims bonus? I suppose that goes west! So it will still end up costing.

Originally Posted by Mom

It is not your fault and does not mean you lose your no claims discount.

Ten melon liqueur shots.

**BiK3RChiK** · 10th March 2008, 15:40

Originally Posted by Deviant Esq

Ten melon liqueur shots.

Arrrgh! Musta missed that one...

M

**ManDownUnder** · 10th March 2008, 15:45

Originally Posted by Mom

In a no fault event there is no excess.

Yes but in an "Act of God" there is often no claim too...

**ManDownUnder** · 10th March 2008, 16:08

Originally Posted by All

What do you think is fair practice (with regard to paying for damage) for if someones bike blows over into yours?

Seek first the wisdom of the kingdom of your insurance company.... failing that arrange a loan

**Mom** · 10th March 2008, 16:09

Originally Posted by ManDownUnder

Yes but in an "Act of God" there is often no claim too...

Ok, all I know is my experience of something of mine seriously damaging a neighbours car in a storm. They made a claim on their car insurance. I got a letter from said insurer saying it was my fault and they would be seeking reimbursement for the expense. I rang them and explained what happened and told them I accepted no liability for the damage as the wind was actually responsible.

I rang my own insurance company (house and contents) and talked to them about it, they said not to worry, even if the other company persued the damages they would step in and sort it. There is cover built into those policies for liability.

I got a phone call from their insurance company not long after that saying they were not persuing me for the damage, that there would be no excess to pay and they would not lose their no claims bonus.