I reversed into my partners parked car causing damage to the drivers side door.?

[burt]

We have separate insurance policies with the same company. They are refusing to accept his claim because he is my partner, surely this cannot be correct. I would understand if we had a joint policy but we have 2 individual policies. They say the law forbids them to pay out on family members or partners . I think this is an excuse. Can anyone help.

[abelard29]

This will depend upon the laws in the country where you live. In the UK, this would be covered by the "loss or damage" section of your partner's insurance. (Unless you're insured with the people who use the phone on wheels - they give a whole new meaning to "no claims discount")

Ask them in writing for details of the "law" they claim prevents them from paying. Tell them that when you and your partner took out the policies, it would have been reasonable for a layman to expect the insurance to cover this contingency. If it does not, the policies are void ab initio and you will both require a full refund of all the premiums ever paid.

[freedom97]

This will depend upon the laws in the country where you live. In the UK, this would be covered by the "loss or damage" section of your partner's insurance. (Unless you're insured with the people who use the phone on wheels - they give a whole new meaning to "no claims discount")

Ask them in writing for details of the "law" they claim prevents them from paying. Tell them that when you and your partner took out the policies, it would have been reasonable for a layman to expect the insurance to cover this contingency. If it does not, the policies are void ab initio and you will both require a full refund of all the premiums ever paid.

It sounds like an excuse to me from the insurance companys perspective to avoid paying up, though I would get your facts sorted first. If it was me in your situation if I could afford to I would probably get the door fixed without making a insurance claim. Dealing with insurances firms can be a nightmare in less its really necessary and they don't tend to make customers lives easy.

[jung-hwa75]

its not an excuse, insurance companies arnt allowed to lie. You will have to pay for the door yourself

[napayshni65]

Europe is not a country, you need to say what country you are in as to the laws there.

[westbroc90]

Ask them for proof in writing about the law.