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Old 24.02.2012, 16:26
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Falling ice 3. Car 0

I was standing in the kitchen (being a chef this happens a lot) when a great roaring noise rumbled over-head (this is unusual for kitchens - I know I spend a lot of time in them). There was a brief moment of silence followed by a crashing sound from just outside the kitchen window - where I park my car. Imagine my joy and delight when I looked outside to see large chunks of ice scattered about and a selection of dents and broken glass all about my car.

Is this the kind of thing that one can normally claim from the building insurance?
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Old 24.02.2012, 16:33
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Re: Falling ice 3. Car 0

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Is this the kind of thing that one can normally claim from the building insurance?
Not but you can claim on the car insurance, if you have Vollkasko (however you spell that)
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Old 24.02.2012, 16:43
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Re: Falling ice 3. Car 0

Thank you for the info. I guess I'll kiss goodbye to the no-claims.
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Old 24.02.2012, 17:21
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Re: Falling ice 3. Car 0

House insurance may cover it, get in touch with the owners of the building. Also get in touch with your car insurance, they will then try to get the other insurance to pay for the 'car splat'.
Same sort of thing happened to us, but with roof slates coming down. At first the other insunce didn't want to know, but our car insurance chased them up and we never ever got a bill or any thing on our no claimes etc.

Good Luck

GREG
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Old 24.02.2012, 18:05
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Re: Falling ice 3. Car 0

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Thank you for the info. I guess I'll kiss goodbye to the no-claims.
Not necessarily - you may have insurance for your no-claims... no, seriously...

If you go after the building owner it would be under their 3rd party insurance. The difference between slates and ice is that slates are part of the building and thus fall under maintenance. Snow/ice is a seasonal hazard.
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Old 24.02.2012, 18:23
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Re: Falling ice 3. Car 0

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Snow/ice is a seasonal hazard.
You're still liable. If snow/ice from your property causes injury/damage expect to receive an insurance claim.

Be very careful though - if the insurance company believe that the accident could have been prevent by suitable maintenance - you may end up with a big bill.
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Old 24.02.2012, 18:26
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Re: Falling ice 3. Car 0

Best thing is to ask your Insurance. They know better than us what is covered or not.

Swiss people are used to looking above for the state/amount of snow before they park, as this happens so often most will judge quite accurately the risks.

Last edited by Odile; 24.02.2012 at 19:13.
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Old 24.02.2012, 18:50
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Re: Falling ice 3. Car 0

Did you take a photo?
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Old 24.02.2012, 19:47
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Re: Falling ice 3. Car 0

have taken some photos.

I was parked in my designated parking spot outside our apartment - looks like I'll have to get a new spot or a roof for the parking bay.

Fortunately I've been told by the guy at Nationale Suisse that this event definitively covered by the building's owners. So now all I need to worry about is being decapitated by falling ice next time the sun comes out.


Thanks for all the feedback guys.

H
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Old 24.02.2012, 20:45
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Re: Falling ice 3. Car 0

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Not but you can claim on the car insurance, if you have Vollkasko (however you spell that)
Isn't it covered by Teilkaso instead of Vollkasko?
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Old 25.02.2012, 01:11
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Re: Falling ice 3. Car 0

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Is this the kind of thing that one can normally claim from the building insurance?
This happened recently to some clients of our ski school, parked in a designated parking spot outside a large hotel whose ground floor level also houses the ski school (rented office from the hotel).

After a lot of hassle, the car owner who only had 3rd party cover did manage to claim from the hotel('s insurance). The hotel owner was a right arsehole who tried to wriggle out of it, even to the extent that the ski school director contacted his own insurers, who were quite clear that it's the responsibility of the building owner or insurer to cover this sort of thing.

So you should pursue a claim from the building owner, or make sure your car insurance does so on your behalf.
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