House Insurance Claim after Neighbours Boiler Burst

Ignore the bit about the neighbours. I meant if she hasn’t got insurance. It’s late. Bedtime🙂🙄

I don’t understand the pay twice comment.

The OPs friend claims on her insurance.
Her Insurance company pays her for the damage.
Her Insurance Company then claims the money they have paid back from the Neighbours Insurance Company.

If the neighbours have no Insurance then the OPs friend will have to sue them. Most household insurance has a Legal Expenses element to cover this.

Or there may be cover that will pay her damage and the the Insurance Company will sue the neighbours.

It all depends on the policy the customer takes. different insurers will offer different policies. Different options will affect the cost of your policy. That’s why you have to read it all very carefully.

So in England, just out of curiosity, what happens if the neighbour isn’t insured?

So the insurance people get to claim twice and keep the money from both the friend AND her neighbours?

The main reason why I would NEVER buy, or live in a ground floor flat! But Lathyrus is correct and I hope the person gets a good resolution - what a nightmare for the poor lady.

I agree with what Lathyrus3 says.
We had a bad house fire which destroyed our neighbours' fence.
They had to claim on their insurance, who then claimed from our insurance company who were dealing with the whole event.

Lathyrus3 - Thank you so much for this information, it does make sense now.

Yes, it’s correct. She cannot make a claim on the neighbours insurance. She is not a customer of the Insurance company.

Her Insurance company will then claim back from the neighbours insurance.

Depending on her policy this might include refunding the excess and meeting any future increase in premiums due to making a claim. She needs to read the policy to see what it covers.

If it’s not covered she will need to sue for any excess loss to what their policy covers. I hope they have insurance.