Car burnt out - insurance question

[ohbuggeringbugger]

Oh Christ.

Car is a goner, the fire brigade have left, DH and I are now talking about insurance. There are some belongings of his in the car, does anyone know whether the car insurance will pay out for those, or whether it will be the house contents insurance?

Ours is house contents but only covered if not on view if stolen (ie locked in boot). That won’t matter in your case I don’t suppose.

What on earth happened?

He drove home from work, and could smell burning as he was parking. Got out, saw flames and ran, and called the fire brigade. Fortunately not near the house.

I am still shaking.

Apparently it’s “away from home” cover and part of our house contented insurance. Probably not standard, you’ll have to check your policies.

Thanks

Don't know whether to laugh or cry but I had to laugh just now whe he said he is going to SORN it tomorrow.

It completely depends on your individual cover.

Look at the your policy documents for each one. Each one with have different policy limits so might be best to claim on the one with the higher policy limit if you need it. On the household insurance it will have a specific section for contents in a vehicle

What was in the car op?

Not an awful lot, some gloves and a nice scarf, and technical manuals to do with his work. A couple of hundred quid's worth I guess so not a lot considering.

He was particularly fond of the scarf apparently

Give your insurers, both of them, a ring tomorrow and ask.

Thanks for the common-sense hand hold last night, I needed it.

Car insurance people contacted and car disposed of. Fire brigade said as it was blocking the road we had to call insurers last night and a truck arrived in the middle of the night to pick it up. While DH was on to the insurers they asked if it was likely to be a write-off, so I went out and asked one of the firefighters. He laughed.

We aren't going to bother claiming for the contents, it isn't worth it.

Incredibly, we found one thing in the wreckage that had survived the inferno completely unscathed. A plastic Ikea food bag clip

I'm going to keep it and get it framed.

You probably have a few hundred pounds of cover under your motor cover. Do mention it. It will offset your excess.

Good idea, insurers won't volunteer that sort of information, will they? Their only aim is to pay out as little as possible. Or nothing at all if they can get away with it.

DH said he spent ages on the phone to them today answering loads of questions, and they never asked about any belongings in the car. I might get him to ring them back.