ChatterBank0 min ago
Insurance Question - Need Help Asap!
If you crash in a supermarket car park with no other parties involved and damage only to your own car is this claimable? I am not sure as I've heard loads of stories about car park claims! Please help!
Answers
1 to 8 of 8
Best Answer
No best answer has yet been selected by lbrown24. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.
If you have fully comprehensive insurance and damage your car then you certainly can claim as I have just recently had to do whilst scraping my car door on a concrete pillor as I was driving out of my car parking spot in Tesco.
I am certain the bloody pillor deliberately moved just as I started to drive forward and I am never using Tesco again!
I am certain the bloody pillor deliberately moved just as I started to drive forward and I am never using Tesco again!
hello- you certainly can claim, but you are liable for the policy excess & it will affect your ncb.
did you damage any of the supermarkets bollards or property etc- if you did then this will also be covered under your policy (& wontcost you a penny more if you are claiming anyway).
most importanly- dont worry about it.....these things happen!
did you damage any of the supermarkets bollards or property etc- if you did then this will also be covered under your policy (& wontcost you a penny more if you are claiming anyway).
most importanly- dont worry about it.....these things happen!
The question of the status of �private� car parks arises quite frequently in these columns and it may help you understand the law. It came up a few days ago in another motoring question so I have reproduced part of the answer I offered then.
The various Road Traffic Acts (and, in some cases, the restrictions on cover provided by insurers) makes reference to �public� roads.
The definition of �public� is wide and has been tested many times in court. Essentially if the public has unfettered access to the area (even if that access is restricted at certain times because, say, the establishment it serves is closed) then it is considered a public road. This means that car parks serving shops and pubs, as well as municipal car parks operated by or on behalf of local councils are all public roads for the purposes of motoring law. It makes no difference who paid for their construction or who pays to maintain them. Beyond the law (or possibly arguably beyond the law) are private car parks such as those serving office blocks, to which only selected drivers have access.
The various Road Traffic Acts (and, in some cases, the restrictions on cover provided by insurers) makes reference to �public� roads.
The definition of �public� is wide and has been tested many times in court. Essentially if the public has unfettered access to the area (even if that access is restricted at certain times because, say, the establishment it serves is closed) then it is considered a public road. This means that car parks serving shops and pubs, as well as municipal car parks operated by or on behalf of local councils are all public roads for the purposes of motoring law. It makes no difference who paid for their construction or who pays to maintain them. Beyond the law (or possibly arguably beyond the law) are private car parks such as those serving office blocks, to which only selected drivers have access.
1 to 8 of 8
