Motor insurance in Europe typically covers natural perils -which are normally wind,flood and hail (earthquake can sometimes be excluded ).You do not have to be responsible for the cause of loss to make a claim,which generally is a good thing if it is your own car which has been damaged through no fault of your own. If it had been your own car the choice would have been to pay for the repairs yourself,make an insurance claim or to live with the damage.Under a car hire agreement this last option is not avaialble as under the rental agreement one is responsible to return the car in the same condition as received,or to pay to restore it back to that condition if it has been damaged ( from one's own pocket or via insurance). I was debited earlier this year by Advantage for damage which did not exist and was not substantiated.I denied liability both through the credit card company on which the debit was taken and also through the agent ,Auto Europe ( who were very helpful).After six weeks they confirmed the charge would be reversed,with no explanation given.I will not use them again.However this scenaro is quite different to the one applying to Alexcal but similar to Andrew's.
Flip If the landslip is a result of the earthquake,then you are covered as the proximate cause of the loss is the earthquake ie without the earthquake there would be no landslip Hope this helps
Sprostini Sorry-I see now my policy has the extension HH913 which gives the following cover HH913 Subsidence, Landslip and Heave Your policy is extended to include damage caused by Subsidence or Heave of the site on which the buildings stand or Landslip Apologies for misleading -you are correct landslip is not covered unless this extension is purchased
I insure with Intasure -their policy does cover landslip .The main difference in premiums are likely to be due to location , size of building and security measures in place -my premiums ( for a one bedroom holiday apartment ) are similar to Badger's . If you are happy to bear all the costs yourself when something goes wrong,then by all means follow Bunterboy's advice -but that can turn out to be a pretty expensive bet.However insurance companies (certainly if UK regulated) are legally bound to pay all valid claims under an insurance contract.The most common cause for denial of claim is that the answers to the underwriting questions have been incorrectly/ untruthly replied to and this invalidates the contract,so do check that the answers are accurate and correct. The Intasure contract is underwriiten by Lloyds of London who have been in business for 300 years and counting -so they won't go bust on you Don't know anything about the Post Office (or who their insurance carrier is) but my Italian is nowhere good enough to feel certain of what is or is not covered so I prefer to stick to a UK policy governed by UK law.
Thank you very much for the information and the walking links.It only serves to remind one how much there is to do in the area and I may well be asking you for more information down the line. As you guessed,we are in Nesso and regularly traipse up and down over 300 steps,so we can't be that unfit.I am always a bit bemused that although there is quite a lot of coverage of lake Como in the UK press it always concentrates on the western centro lago shore when there are so many other location options around the lake. Personally we wouldn't dream of swapping where we are for the better known and more expensive area across the water and your links have certainly whetted the appetite for exploring the lario triangle on foot. Please keep in touch via the forum or by PM if more appropiate
Welcome to the forum.We have a holiday apartment between Como and Bellagio in a village which features on some of your photos.We've had the apartment for about 4 years now and stlll love visiting the area. Would be very interested to learn more about the walks you have undertaken ,in particular any which are well suited to the slightly less fit among us!
arty In your example the claim would be covered because the subsidence is a direct result of the earthquake,.In insurance language if the proximate cause of a loss is covered ( in this case earthquake) then the claim is valid.
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Motor insurance in Europe typically covers natural perils -which are normally wind,flood and hail (earthquake can sometimes be excluded ).You do not have to be responsible for the cause of loss to make a claim,which generally is a good thing if it is your own car which has been damaged through no fault of your own. If it had been your own car the choice would have been to pay for the repairs yourself,make an insurance claim or to live with the damage.Under a car hire agreement this last option is not avaialble as under the rental agreement one is responsible to return the car in the same condition as received,or to pay to restore it back to that condition if it has been damaged ( from one's own pocket or via insurance). I was debited earlier this year by Advantage for damage which did not exist and was not substantiated.I denied liability both through the credit card company on which the debit was taken and also through the agent ,Auto Europe ( who were very helpful).After six weeks they confirmed the charge would be reversed,with no explanation given.I will not use them again.However this scenaro is quite different to the one applying to Alexcal but similar to Andrew's.
Flip If the landslip is a result of the earthquake,then you are covered as the proximate cause of the loss is the earthquake ie without the earthquake there would be no landslip Hope this helps
Sprostini Sorry-I see now my policy has the extension HH913 which gives the following cover HH913 Subsidence, Landslip and Heave Your policy is extended to include damage caused by Subsidence or Heave of the site on which the buildings stand or Landslip Apologies for misleading -you are correct landslip is not covered unless this extension is purchased
I insure with Intasure -their policy does cover landslip .The main difference in premiums are likely to be due to location , size of building and security measures in place -my premiums ( for a one bedroom holiday apartment ) are similar to Badger's . If you are happy to bear all the costs yourself when something goes wrong,then by all means follow Bunterboy's advice -but that can turn out to be a pretty expensive bet.However insurance companies (certainly if UK regulated) are legally bound to pay all valid claims under an insurance contract.The most common cause for denial of claim is that the answers to the underwriting questions have been incorrectly/ untruthly replied to and this invalidates the contract,so do check that the answers are accurate and correct. The Intasure contract is underwriiten by Lloyds of London who have been in business for 300 years and counting -so they won't go bust on you Don't know anything about the Post Office (or who their insurance carrier is) but my Italian is nowhere good enough to feel certain of what is or is not covered so I prefer to stick to a UK policy governed by UK law.
Thank you very much for the information and the walking links.It only serves to remind one how much there is to do in the area and I may well be asking you for more information down the line. As you guessed,we are in Nesso and regularly traipse up and down over 300 steps,so we can't be that unfit.I am always a bit bemused that although there is quite a lot of coverage of lake Como in the UK press it always concentrates on the western centro lago shore when there are so many other location options around the lake. Personally we wouldn't dream of swapping where we are for the better known and more expensive area across the water and your links have certainly whetted the appetite for exploring the lario triangle on foot. Please keep in touch via the forum or by PM if more appropiate
Welcome to the forum.We have a holiday apartment between Como and Bellagio in a village which features on some of your photos.We've had the apartment for about 4 years now and stlll love visiting the area. Would be very interested to learn more about the walks you have undertaken ,in particular any which are well suited to the slightly less fit among us!
arty In your example the claim would be covered because the subsidence is a direct result of the earthquake,.In insurance language if the proximate cause of a loss is covered ( in this case earthquake) then the claim is valid.