Not covered by insurance

dekski


Joined: 08/11/2008
Posts: 142

Message Posted:
08/02/2010 18:08

Just a thought, when our two solar panels blew off their mounts onto and smashing our roof tiles as well as one of the panels. It materiaised that none of the damage was covered by the house insurance from Credit West. Check your poicies people - it's in the small print. So what is covered for the money?

ttoli


Joined: 24/03/2007
Posts: 1172

Message Posted:
08/02/2010 18:42

Dont think that any policy covers you for damage caused by "Acts of God".

scruff


Joined: 15/07/2008
Posts: 1070

Message Posted:
08/02/2010 18:46

Not necessarily Acts of God. How about high winds?

cooper


Joined: 23/10/2007
Posts: 3386

Message Posted:
08/02/2010 18:49

That God bloke has alot to answer for )

basheer



Joined: 22/12/2008
Posts: 949

Message Posted:
08/02/2010 18:58

how much would that cost to replace we get strong winds in Lapta and would'nt be surprised if that happened to me one day



you know what I shall have that introduced to my policy they must be expensive

teatime


Joined: 20/10/2008
Posts: 852

Message Posted:
08/02/2010 19:52

Insurance policies don't usually use the "Act of God" excuse anymore, it's always wise to check exactly what is covered.

karakum5c



Joined: 18/03/2008
Posts: 1021

Message Posted:
08/02/2010 20:08

Allah Ackbar !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!







Allahu Ackbar.

No1Doyen


Joined: 04/07/2008
Posts: 16617

Message Posted:
08/02/2010 21:39

An act of God is a natural catastrophe which no one can prevent such as an earthquake, a tidal wave, a volcanic eruption, a hurricane or a tornado. An act of God is generally considered an act attributable to nature without human interference. For example, damage from a tornado or a lightning strike would be considered an act of God. Damage would not be considered an act of God if it is caused by the property owner.

basheer



Joined: 22/12/2008
Posts: 949

Message Posted:
09/02/2010 12:40

cant we pay extra for the solar panels as equiptment same with the irrigation pumps and boiler issues that break down due to lime scale

spangles


Joined: 22/10/2008
Posts: 411

Message Posted:
09/02/2010 12:54

Message 8 - not necessarily. Policies sometimes specify earthquake damage cover etc. Can sigorta paid us for a lightening strike to our house. Just check your policy details for your cover.

SarahJB



Joined: 25/05/2009
Posts: 114

Message Posted:
09/02/2010 12:55

Basheer you can add perils to your insurances for extra cover and yes this cost a little more but not alot.

SarahJB



Joined: 25/05/2009
Posts: 114

Message Posted:
09/02/2010 12:58

Guys

it depends on the cover you take out and the perils you have in your insurance policy for example Eatrhquake cover is standard for my company and floods

You can add or take away any perils but you need to talk to the insuance person and tell them exactly what cover you want and yes the more you have the more the cost

But its not about cost when you are covered and the claims are dealt with is it?

simbas



Joined: 16/07/2007
Posts: 5943

Message Posted:
09/02/2010 13:08

Just checked our policy with Dagli Sigorta , i thought i was right . Ours does indeed cover Earthquake , add perils includes floods , storms , and landslides

ect

Simbas

Corbo



Joined: 13/09/2009
Posts: 627

Message Posted:
09/02/2010 13:14

So it was an act of God that caused the Haiti thing..never trusted that God being!!

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
09/02/2010 13:22

Bill Msg 8

Try telling that to the people that used to live on the Islands around Mururoa Atoll!



Richard

Pogle


Joined: 28/08/2008
Posts: 1536

Message Posted:
09/02/2010 13:38

Basheer

I don't think any insurance co here would include pumps and central heating systems, they wouldn't in the UK. Most insurance co's here will not cover damage as a result of constructor defects.



If SaraJB is reading, do you have any further information on your travel insurance? Our agent offers it but would like to confirm the cover, will email you off board if you prefer. Looking for a one year policy to cover Europe & USA.

SarahJB



Joined: 25/05/2009
Posts: 114

Message Posted:
09/02/2010 19:50

Hi pogle

Yes I have and will wait for your email my friend

Thanks for the interest

SarahJB



Joined: 25/05/2009
Posts: 114

Message Posted:
09/02/2010 19:57

Hi Pogle

Please contact me on

sarahbarnes9@gmail.com

Thanks

S

bridie


Joined: 18/09/2008
Posts: 308

Message Posted:
10/02/2010 12:49

Some companies don't include windows, they have to be insured separately.

Tenakoutou



Joined: 27/07/2009
Posts: 4110

Message Posted:
10/02/2010 13:11

A concrete tent is a concrete tent - why bother insuring at all?