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Old 12.04.2010, 22:46
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Storm damage & insurance claims

Back at the end of February, we got hit by the tail end of the storm that swept France (Xynthia?) That weekend we had a friend staying with us, and during the night the winds lifted up our daughter's wooden play house and jammed it between his hire car and our own car, causing various scratches and dents in the two cars.

We took our car to our local garage and they dealt with the insurance people to get it all fixed. They said that in cases of extreme weather, there was some kind of rule which meant you didn't have to pay the excess. (I didn't entirely understand this as my French isn't great, but we've not had to pay anything yet!)

My friend took his car back to the ariport and they didn't deduct any excess at the time. He's just opened his latest credit card statement to find the company involved has now taken the full 1500SF excess!!

I've tried to find if there's any way we can claim for this on our house or accident insurance, but it doesn't seem to cover damage to third parties. Does any one have any ideas whether this is standard? And can anyone help me verify if the waiving of excess due to unusual weather is true?

Insurance is confusing enough but in another language I'm really struggling!
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