#54083
Austman
Flatchatter

    The issue here is that I only have ‘3rd party property cover’ and my car insurers are saying this excludes property under my ‘care or custody’, i.e. the gate where I live

    Can you tell us what insurance company that is? I’ve had a look at a few and it seems they usually cover rented premises where you are not responsible for building insurance.

    Youi (below) is an example but it’s similar for others:

    “We will not pay for any loss, damage or legal liability caused directly or indirectly:

    by the car to property owned by or in the legal care of your household members, drivers listed on your policy schedule, or any person covered by your policy except where the property is a building that you are renting with a written rental agreement in place and you are not responsible for insuring the building;”

    I am an ‘approved occupant’ in a rental unit

    Are they perhaps claiming that you don’t have a “written rental agreement” ?