/ Has anyone claimed for equipment after a car crash?
My friend had a bit of an accident on the b4246 yesterday after swerving to avoid an oncoming motorist in the middle of the road and he ended up with his car wrapped around a tree (driver and passengers are all ok). The one small problem is that in the boot of the car was all of our caving clubs kit, not really worried about fabric products as they'll be fine, it is the helmets I am a little more concerned about. The car was a complete write off if that gives you any indication as to the force of the crash.
Can things like this usually be claimed through the car insurance?
You should be able to claim for items that were damaged in the crash. Make sure that they're identified to the insurance company straight away and see what information they will require in order to replace them. I claimed for an inspection and service of diving equipment that was in the back of my car when it was hit and the insurance company paid up as it was life support equipment that had potentially been damaged.
I had a car crash a year ago and have claimed for some climbing gear that was damaged (oil, diesel, broken glass, and impact) for helmet, harness, and ropes. It was someone else's fault, and the insurance, while still waiting for the claim ti be settled, haven't batted an eyelid about it. Had to provide photos and receipts, that's all.
Yes, in theory, but the normal maximum value on a standard policy limits contents damage/theft to quite a low value, unless you specifically increased this when you got the policy out. As I found out to my cost once...think mine was £150 limit....all the bits and bobs added up to about £1200...grr.
Exactly - it all depends on whether the other driver is still involved or has disappeared into the night.....
I claimed and won for ropes which had POL damage after a big smash so it can be done.
That's probably the best (read- worst) advice I've seen on ukc for a while!
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