car damaged by collapsed roof

[curiouslandlord_1]

If the garage roof of a rented property collapses and damages the tennants car, which insurance company is responsible for paying to fix the damage - the tennant's contents insurance, the tennants car insurance (the car is insured fully comp), or the landlords building insurance?

[Mr Veritas]

I agree with Zac,
The Landlord should have made sure that the garage was in a fit state to use,and that the roof should not have been in such a bad state that it would fall on the tenants car.

[woozer]

Ultimately, the landlord and/or his Property Owners Liability insurer is responsible. If the tenant has Comprehensive motor insurance he can opt (at his discretion not the landlords) to have his car repaired under his comprehensive insurance, the tenants insurer will then reclaim their costs from the landlord or his insurer and the tenant would claim thier excess back from the landlord as well.
There is no legal requirement for the landlord to have Property Owners Liability insurance so I would always advise checking that the landlord has insurance or is in a position to pay before running up a huge bill particularly if there is no Comp cover in place!!
And with the shoe on the other foot - a landlord is well advised to ensure that he has Property Owners Liability on a policy where his business is accurately described as a Property Owner - otherwise he could find himself uninsured with a large claim on his hands particularly is someone is injured as a result o his negligence.

[woozer]

Sorry about eccentric spelling - keys are sticking on this wretched computer