Car crashes into home but insurers say it's 'not an emergency'

Car crashes into house, insurers say it's not an emergency

Liverpool Echo

A car crashed through a family's front window, leaving a gaping hole in their home - but say they were told by the insurance company say it's "not an emergency".

The vehicle drove into the home in Hale Village, Liverpool at 9am on Sunday, running down a fence and into the family's car parked outside before smashing into the hallway.

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It took out a portion of their wall and a structural beam, the Liverpool Echo reports.

But despite the accident leaving a giant hole in the house, the family say insurers LV told them they couldn't send anyone out to help until Monday, leaving them to deal with the problem overnight.

Chris Wallis, whose uncle owns the property, said he was told about the accident - which happened while the family, including two young children and his 70-year-old grandmother were in the house - this morning.

Credits: Liverpool Echo

Liverpool Echo

He said: "We've been on the phone to LV insurance since 9am this morning - they say it's not an emergency.

"We've spoken to about 15 different people but there is nothing they can do, they are saying.

"They kept telling us it's not a home emergency, it's a building problem and they don't work weekends."

Chris added the family called LV at 9am before waiting for hours for a response.

Four hours later, they tried to call the company again before a man was sent round - with the brief that he was simply patching up a hole.

According to Chris, when he saw the true extent of the damage, he said he couldn't touch it because it was too serious - and now the family face a night with a large part of the front wall of their house missing.

As a temporary measure they have used old fencing to attempt to block the gap for the evening.

The car struck in the hallway metres away from where Chris's grandmother would have been sleeping in her downstairs room, forcing the family to use the back door.

Credits: Liverpool Echo

Liverpool Echo

Chris added: "There are two young kids in there and a 70-year-old woman who have to spend the night like this."

He said LV have offered the family alternative accommodation, but they were reluctant to leave the house unprotected.

LV and Cheshire Police have been contacted for comment.

The cheapest cars to insure
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The cheapest cars to insure

Price new: £5,995

Dacia has made a big impact in the UK with its line of affordable motors.
The Sandero is the foundation of the brand's offering and is famed for being the UK's cheapest car.

With a group two insurance classification it's also one of the cheapest cars to insure right now.
The entry level Access model is sparsely equipped, but it has a practical interior, big boot and low running costs.

Price new: £8,060

The Seat Mii is a small city car which Auto Express praises for its spacious interior, good build quality and supple ride.

All models are in insurance group one, bar the group two Sport version.
The Mii is available in three-door or five-door styles, but both measure just 3.5 metres, making it perfect for getting around town.

Price new: £8,090

The Skoda Citigo was crowned Auto Express Best City Car 2013.

The magazine praised its low running costs and practicality as well as its grown up driving experience.
Like its Mii stable mate the Citigo has group one insurance in all apart from its top specification model, making it one of the cheapest cars to insure.

Price new: £8,265

The third of the Volkswagen's group of three city cars to make the list is the Up!

Auto Express says the Up! was 'born to rule' city streets with its small dimensions and lightweight body.
There's three versions of this fun city car; Take Up! has a group one rating as does Move Up! while the higher spec High Up! gets a group two classification.

Price new: £8,345

The Hyundai i10 is another car which can get you a cheap insurance quote thanks to a group one insurance rating across all the 1.0-litre petrol models.

Auto Express says the new 2014 i10 offers big car features in a small package. And for £8,345 you also get Hyundai's five-year warranty and roadside assistance package.

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Vauxhall has managed to squeeze one of its full sized Corsas into insurance group two.
Auto Express says the 1.0-litre ecoFlex model has the lowest insurance costs of any mainstream supermini.

The eye-catching design, solid interior and big-car features make it an appealing buy for drivers.

Price new: £9,575

The Smart car caused a bit of a stir when it first appeared thanks to its dinky dimensions and bold two-seat layout, making it very useful for driving about town and absurdly easy to park.

The Smart ForTwo is the latest incarnation, which keeps to the same formula; it still has only two seats and is one of the smallest cars on the road measuring just 2.5 metres long,
The entry level 0.8- and 1.0-litre models qualify for group two insurance.

Price new: £11,810

The Peugeot Partner Tepee 1.6 VTi is the passenger version of the Partner van and according to Auto Express easily the most spacious new car that currently qualifies for a group two insurance rating.

It's got a boxy shape that provides plenty of room and has sliding doors which make it a very practical and flexible family car.

If you're after something smaller the Peugeot Bipper Tepee, which is the smallest of Peugeot's family of Tepee MPVs, also gets a group two insurance rating.


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