Insurance questions to ponder.......

[B1NZ]

1.If you have 2 cars insured, you have one parked in your driveway and you back ito it with the other one, How many excesses do you pay? Would the insurance co cover this?

2. If you have house& contents insurance and someone crashes into your house, who pays? What if it was you in your own car?


I think of random things sometimes

[postfach]

Haha, yeah, pretty strange musings there, in my opinion:

1) You pay, 1 excess, for the car you were driving in, the insurance company should cover it assuming it was an accident and you didn't just decide you wanted a new paint job or something.

2) The person who crashed into the house pays, unless they don't have insurance, in which case, damn that sucks. I can't imagine how you would crash into your own house, since you should know where it is, but I guess the car insurance would cover it, since if you claimed off the home and contents, you wouldn't get anything to fix the car.

[Bling]

so whose fault was it B1NZ, did ya do much damage when you drove into you other car then ended up in the side of ya house?

Sounds like more fun than a barrel of monkeys trying to explain that one to the insurance

[postfach]

a quick google reveals this:

Brooke Shields crashed her car into her house when her shoe got stuck on the accelerator.
'The Blue Lagoon' star was driving home from shooting her new TV show 'Lipstick Jungle' when her high-heeled shoe became wedged under the accelerator, causing her car to career into the wall.

Brooke revealed to US TV show 'Extra': "I was wearing these fabulous kick-a** platform patent leather heels. I had been at a meeting with the team at 'Lipstick Jungle' and I was all sexed out.
"I slowed down to what I thought was a proper speed. I went to go put my foot on the brake, and I couldn't get my foot off the gas because the heel was completely wedged under.
"I slammed on what I thought was the brake, and it actually was the gas! I really did drive into my house and hit a pillar.
"I was fine. The pillar, of course, was removed - at which point I was like, we didn't really need that, that's just in the way."

[Silent Knight]

I can't imagine how you would crash into your own house, since you should know where it is, but I guess the car insurance would cover it, since if you claimed off the home and contents, you wouldn't get anything to fix the car.

My mum did that.
She was parking the car in the garage and floored it too hard, now we have a massive hole in the back wall of the garage.

[barryogen]

I guess the car insurance would cover it, since if you claimed off the home and contents, you wouldn't get anything to fix the car.

from looking at my car insurance cover, I am covered if I hit something up to $20M... what in the hell would I need $20M for... driving into a super yacht?

[Silent Knight]

Maybe they mean if you accidentally drive through the Lambo shop and hit every car on the way through....!

[barryogen]

Maybe they mean if you accidentally drive through the Lambo shop and hit every car on the way through....!

yeah, was just thinking if I say hit the one weak point in a car parking building or something and bought the whole thing down...

[Mr Revhead]

depends on the company...
NAC like to charge lots of excess's....
ie if you have an accident and hit 3 cars
each car is a seperate excess.... so if you have a $1000 excess (common with them) thats a $3000 excess....

[rolla_fxgt]

I guess the car insurance would cover it, since if you claimed off the home and contents, you wouldn't get anything to fix the car.

from looking at my car insurance cover, I am covered if I hit something up to $20M... what in the hell would I need $20M for... driving into a super yacht?

Maybe if you drove down castle street & crashed into about 10 houses & seriously damaged them you might get close to $20 mill, some of those flats are insured for shit loads.

Oh or if you took out a truck with some types of cargo, your insurance wouldn't even come close to covering it. which would really suck

[Mr Revhead]

the large figure also covers what you may be liable to for injury and/or loss of income to some one you injure or a business you hinder by say taking out their only delivery vehicle etc

[B1NZ]

depends on the company...
NAC like to charge lots of excess's....
ie if you have an accident and hit 3 cars
each car is a seperate excess.... so if you have a $1000 excess (common with them) thats a $3000 excess....

surely not! I thought they could only charge you 1 excess per event!

What if you put your automatic into reverse instead of park and reversed through the garage wall?

Hasn't happened to me, I just think of random things sometimes that's all

[2LTR Rona]

What if you put your automatic into reverse instead of park and reversed through the garage wall?

I saw the opposite of that happen years ago at Firestone Porirua, was working at Briscoes (before they moved location), customer jumped in car, selected "D" rather than "R" and drove through the main customer lounge window

Huge farken mess

[MasCam]

I guess the car insurance would cover it, since if you claimed off the home and contents, you wouldn't get anything to fix the car.

from looking at my car insurance cover, I am covered if I hit something up to $20M... what in the hell would I need $20M for... driving into a super yacht?

When you drive into a building and set the whole thing on fire and raze an entire city block, crashing into one of those big LPG tanks and blowning up shitloads..... Although insurance is probably the least of your worries at this point, as compared to if you followed the right religon

[Mr Revhead]

depends on the company...
NAC like to charge lots of excess's....
ie if you have an accident and hit 3 cars
each car is a seperate excess.... so if you have a $1000 excess (common with them) thats a $3000 excess....

surely not! I thought they could only charge you 1 excess per event!

What if you put your automatic into reverse instead of park and reversed through the garage wall?

Hasn't happened to me, I just think of random things sometimes that's all

each car is an event!
happend to some one we know.

[B1NZ]

depends on the company...
NAC like to charge lots of excess's....
ie if you have an accident and hit 3 cars
each car is a seperate excess.... so if you have a $1000 excess (common with them) thats a $3000 excess....

surely not! I thought they could only charge you 1 excess per event!

What if you put your automatic into reverse instead of park and reversed through the garage wall?

Hasn't happened to me, I just think of random things sometimes that's all

each car is an event!
happend to some one we know.

rubbish! I can't see them getting away with that.

[B1NZ]

What about if your car is parked next to your garage auto door and you open the door and it hits your car?

Is this covered by house insurance, or your car insurance?

[barryogen]

What about if your car is parked next to your garage auto door and you open the door and it hits your car?

Is this covered by house insurance, or your car insurance?

House and contents... although I'd look more at which excess is going to cost me less, as well as which will cost me less if I claim on it.

[RunningRich]

Wouldn't take very long at all to run up $20M of costs. Your feking crap driving happens to force a truck off the road and that truck rolls down a bank. At the time it happened to have a Boeing 747 engines on the back being transported from Wellington to Palmy. The truck and engine are destroyed. Police find you at fault.

There goes your $20M.

And don't say that is unlikely. Some of the situation above is based on a genuine occurence, names changed to prevent the innocent etc.


Now you hit your house with your car you will pay two excesses. They are seperately insured items. I had the situation when my car keys were stolen. To replace locks I had to pay one excess on the car and one on each car.

[Silent Knight]

rubbish! I can't see them getting away with that.

Nope, it's true. I've still got my old contract lying around where it clearly states that...

They have like 2 or 3 different excess values as well on your contract depending on whether it's your fault or not etc. It's madness.