I just rang my insurers (Co-op) and they said that because there would be no party from which they could recover the cost of the claim, then it would be classed as a fault claim, i.e. it would have been my fault. The person I was speaking to had had to consult someone else to get that piece of information and couldn't expand on it without further consultation. I gave up. I just hope I never have a tree fall on my car and I need to test out my insurance!
Last edited by: L'escargot on Tue 30 Jul 13 at 09:39
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