Can I claim on my house and contents insurance for a new garage door?

Posted 10th Dec 2022

The garage door on my detached garage has seen better days, which means I can't store my car in it, and I'm fearful for all my tools etc too, can I claim on my home and contents insurance for a new door?

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10th Dec
Before claiming, add up the excess, the loss of NCB and the extra premium you'll be paying for making a claim. Balance that against the cost of a new door, and see if it's even worth it.
10th Dec
insurance is to cover unlikely risks.
the wear and tear on your garage door was not an unlikely risk - it was bound to happen - just a matter of when.
unless of course someone has damaged it during say a robbery/ram-raid (edited)
10th Dec
No. Insurance covers for damage, not degradation due to age. Now if you were to accidentally reverse into it.....
10th Dec
...assuming there is accidental damage cover of course...
11th Dec
Insurance covers unexpected risks, such as fire, flood or burglary. It doesn't cover wear and tear which will be stated that in your policy wording.
10th Dec
No
11th Dec
Yes op and you can get them to put in new carpets and kitchens at the same time and even do your decorations:)
11th Dec
Nope, why would insurance cover for wear and tear?
Author
11th Dec
I understand that, it was more the security of the garage I was enquiring about with my power tools etc.
10th Dec
Yes.
10th Dec
depends is your garage insured? because detached garages need additional insurance.
Author
10th Dec
I'm with Admiral, where would this be on my policy, would it be under theft from garage?
17 m ago
I doubt they will cover that unfortunately unless you have some specific cover for wear and tear which is normally the insurance get out clause.
Author
12 m ago
Is wear and tear an option on insurance? I'm due to renew at end of this month, I'm with Admiral.