Weather conditions in recent months have made driving particularly difficult with more than the average risk of accidents.
Trees have been particularly prone to the power of nature and many have given up the fight and been blown over.
Whenever the UK is subject to adverse weather conditions, trees always tend to fall and quite often, onto moving or stationery cars.
Comprehensive policyholders will be able to claim off their insurance policies and if they are lucky, will have protected no claims bonus so will be relatively unaffected other than having to pay their policy excess.
Third party Fire and Theft and Third Party Only policyholders however, are not so lucky. Their policies will not cover them for damage to their vehicles.
Their only form of recourse maybe against the owner of the tree and even then, only if it can be proved that the owner has failed to maintain it correctly by having it regularly inspected and failed to take any remedial advisory action such as lopping it.
If you are a landowner with trees near to public roads or walkways and you haven’t had them inspected recently, you may want to think about getting them checked out, along with your liability insurances just in case one does fall and causes damage or injury to a third party.
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