M
Even if you get a successful claim you will be screwed for other policies as you will be asked every time you renew if you have had a claim.
This question came up in a conversation with a friend recently. They own/live in an apartment in a multi-unit block. The management company has block insurance for the building and the owner has their own contents insurance. What would happen if a visitor or a tradesperson has an accent INSIDE the apartment? Which, if any, of the insurance policies would cover this?
I had the same problem. Floors affected in kitchen and hall. The excess on our buildings policy was 5k, effectively ruling out the majority of claims. I had it fixed myself for a few hundred euro by a carpenter. I have concluded from this and other experiences with insurance claims that the insurance companies win everytime - they get their premiums and do everything possible to avoid payouts. Even if you get a successful claim you will be screwed for other policies as you will be asked every time you renew if you have had a claim. You must admit if you had or you could nullify other future claims. Basically I would advise fixing it yourself its not worth the hassle.
Without seeing the policy for definite but the block policy should operate in this circumstance, but there are a few variables, what caused the accident first of all? If the injury was caused as a result of a negligent act of the owner of the property the the block policy should operate. If you have a more specific example let me know.
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?