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Fire in Douglas - See Mod note in post #506

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    #212
    CelticRambler
    Registered Users Posts: 6,835 ✭✭✭CelticRambler


    Dia_Anseo wrote: »
    We should start a GoFundme page for those affected by the fire.

    I've spent the morning reading this thread (and associated links) instead of working - can I put in a claim for lost earnings? Thanks. :D


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    #213
    mikeecho
    Registered Users Posts: 5,134 ✭✭✭mikeecho


    pwurple wrote: »
    ...... The insurance claims will be complicated... .




    No it wont.
    The owner of each damaged car will make a claim against their own insurance.


    As long as you have 3rd Party Fire & Theft or Comprehensive, you'll be covered.


    If you opted for 3rd party only.. you're goosed.


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    #214
    Guy:Incognito
    Registered Users Posts: 38,247 ✭✭✭✭Guy:Incognito


    Dia_Anseo wrote: »
    Manager of Douglas shopping centre on Red FM now saying woman in a hoodie drove the Zafira that was on fire to 1st floor and started throwing petrol on other cars then ran off shouting Alla

    You sure she wasn't calling her husband, Alan?


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    #215
    TheDriver
    Registered Users Posts: 12,517 ✭✭✭✭TheDriver


    mikeecho wrote: »
    No it wont.
    The owner of each damaged car will make a claim against their own insurance.


    As long as you have 3rd Party Fire & Theft or Comprehensive, you'll be covered.


    If you opted for 3rd party only.. you're goosed.

    I'd thing its not as simple as that. I'd be annoyed if my NCD is affected. Plus it is a 3rd party incident i.e. a 3rd party fire caused it as opposed to your own fire.


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    #216
    lawrencesummers
    Registered Users Posts: 8,586 ✭✭✭lawrencesummers


    mikeecho wrote: »
    No it wont.
    The owner of each damaged car will make a claim against their own insurance.


    As long as you have 3rd Party Fire & Theft or Comprehensive, you'll be covered.


    If you opted for 3rd party only.. you're goosed.



    Why would you claim on your own insurance and have the premium at renewal increased for something that isn’t your fault?

    That would be dumb.


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    #217
    mikeecho
    Registered Users Posts: 5,134 ✭✭✭mikeecho


    TheDriver wrote: »
    I'd thing its not as simple as that. I'd be annoyed if my NCD is affected. Plus it is a 3rd party incident i.e. a 3rd party fire caused it as opposed to your own fire.


    Unfortunately it is as simple as that.


    Phone your own insurance company and ask them.


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    #218
    zilog_jones
    Registered Users Posts: 6,638 ✭✭✭zilog_jones


    lawrencesummers wrote: »
    Why would you claim on your own insurance and have the premium at renewal increased for something that isn’t your fault?

    That would be dumb.

    Assuming your car is worth more than your annual insurance premium, what other choice do you have? :confused:


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    #219
    lawrencesummers
    Registered Users Posts: 8,586 ✭✭✭lawrencesummers


    zilog_jones wrote: »
    Assuming your car is worth more than your annual insurance premium, what other choice do you have? :confused:

    You don’t need to assume someone’s car is worth more than their premium.


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    #220
    j8wk2feszrnpao
    Closed Accounts Posts: 6,438 ✭✭✭j8wk2feszrnpao


    Balanadan wrote: »
    Yeah, fire = bad. Good man.
    At least you seem to have learned something today.
    Now maybe educate yourself on the different type of fire extinguishers and when to use them. Because if you think that someone should have tried to deal with the fire with one, and you find yourself in a similar situation sometime, you'll regret your ignorance.


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    #221
    Balanadan
    Site Banned Posts: 725 ✭✭✭Balanadan


    munstermagic11 wrote: »
    At least you seem to have learned something today.
    Now maybe educate yourself on the different type of fire extinguishers and when to use them. Because if you think that someone should have tried to deal with the fire with one, and you find yourself in a similar situation sometime, you'll regret your ignorance.

    You shouldn't try to fight a fire using the correct extinguisher? Every day's a school day.

    this-is-fine.0.jpg


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    #222
    TheChizler
    Registered Users Posts: 9,455 ✭✭✭TheChizler


    Balanadan wrote: »
    You shouldn't try to fight a fire using the correct extinguisher? Every day's a school day.
    Lets put the delivery method in a way you seem to prefer...

    aid41939-v4-728px-Use-a-Fire-Extinguisher-Step-12.jpg.webp


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    #223
    bot43
    Registered Users Posts: 779 ✭✭✭bot43


    I was only in Douglas 3 weeks ago on a saturday at this time. It could have been me. I feel very close to this tragedy.

    On the plus side my video of the fire got almost 1000 retweets and about 100k views.


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    #224
    pwurple
    Closed Accounts Posts: 12,449 ✭✭✭✭pwurple


    mikeecho wrote: »
    No it wont.
    The owner of each damaged car will make a claim against their own insurance.


    As long as you have 3rd Party Fire & Theft or Comprehensive, you'll be covered.


    If you opted for 3rd party only.. you're goosed.

    Zoom out here a small bit. Do you think the cars are the only thing here relevant for insurance?

    The buildings insurance for the complex
    Each business, and the closures, loss of income.
    The damaged stock, all the power is off there, freezers and fridges gone, smoke damage possibly.
    The lost of income for all the employees


    And even on the insurance for a car, your own insurance will chase that claim with other insurers.


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    #225
    thomas anderson.
    Registered Users Posts: 1,111 ✭✭✭thomas anderson.


    bot43 wrote: »
    I was only in Douglas 3 weeks ago on a saturday at this time. It could have been me. I feel very close to this tragedy.

    On the plus side my video of the fire got almost 1000 retweets and about 100k views.

    You have my thoughts and prayers


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    #226
    sondagefaux
    Registered Users Posts: 1,443 ✭✭✭sondagefaux


    lawrencesummers wrote: »
    You don’t need to assume someone’s car is worth more than their premium.

    I paid £950 for my car. This year's insurance premium is £1200.


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    #227
    sondagefaux
    Registered Users Posts: 1,443 ✭✭✭sondagefaux


    TheDriver wrote: »
    As the gardai have established the cause of the fire to a certain car, can the car owners around them demand insurance details of that car from the gardai to make a claim on that persons insurance? I assume you don't ring up your own insurance company.
    I find the lack of any TD or Govt response and no guidance re insurance claims quite remarkable as theres a lot of people just left in limbo.

    I don't really see why the government needs to hold people's hands in this instance.

    It's pretty straightforward: if your car was in the fire, contact your insurance company and begin the claims process.

    Why would you assume that you wouldn't contact your own insurance company? :confused:

    If your car was parked on the road outside your house or in your own driveway, who would you phone if it had been destroyed by fire? Ghostbusters? :)


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    #228
    mikeecho
    Registered Users Posts: 5,134 ✭✭✭mikeecho


    lawrencesummers wrote: »
    mikeecho wrote: »
    No it wont.
    The owner of each damaged car will make a claim against their own insurance.


    As long as you have 3rd Party Fire & Theft or Comprehensive, you'll be covered.


    If you opted for 3rd party only.. you're goosed.



    Why would you claim on your own insurance and have the premium at renewal increased for something that isn’t your fault?

    That would be dumb.

    Imagine if your car was vandalised, that's not your fault.
    Yet you would still have to claim off your own insurance, and risk losing your NCB.

    Now, if the person responsible was identified, you could take a civil action, but your NCB will still be affected.


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    #229
    sondagefaux
    Registered Users Posts: 1,443 ✭✭✭sondagefaux


    mikeecho wrote: »
    Imagine if your car was vandalised, that's not your fault.
    Yet you would still have to claim off your own insurance, and risk losing your NCB.

    Now, if the person responsible was identified, you could take a civil action, but your NCB will still be affected.

    Unless you've been able to get your NCB protected.

    It's a pain in the butt to lose your NCB but it's normal even if a claim is not your fault.


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    #230
    Luap
    Registered Users Posts: 2,642 ✭✭✭Luap


    With most insurers you won't lose your NCB as a result of a fire claim.

    I would advise people to contact their insurance company's if they have a car that is stuck in the multi storey or is destroyed as a result of the fire, as the insurance companies will give you a courtesy car.


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    #231
    Odyssey 2005
    Registered Users Posts: 21,065 ✭✭✭✭Odyssey 2005


    bot43 wrote: »
    I was only in Douglas 3 weeks ago on a saturday at this time. It could have been me. I feel very close to this tragedy.

    On the plus side my video of the fire got almost 1000 retweets and about 100k views.

    Katherine Thomas ?


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    #232
    kneemos
    Registered Users Posts: 20,433 ✭✭✭✭kneemos


    Came here to read about the fire.

    What I find is the remains of the thunderdome.


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    #233
    TheDriver
    Registered Users Posts: 12,517 ✭✭✭✭TheDriver


    96fm at 5 said they're going to start removing cars tonight and tomorrow.


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    #234
    Padre_Pio
    Registered Users Posts: 5,215 ✭✭✭Padre_Pio


    I'd be very worried about every car coming out of that car park.

    Even if it's not fire damaged, chances are the heat would be enough to ruin the car. Petrol and other fluids boiling in their tanks, plastics and rubbers softened and warped, paint might start to bubble off.


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    #235
    igCorcaigh
    Moderators, Recreation & Hobbies Moderators Posts: 11,510 Mod ✭✭✭✭igCorcaigh


    https://twitter.com/Darragh_Ber/status/1168578698922078210?s=19


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    #236
    Dia_Anseo
    Closed Accounts Posts: 433 ✭✭Dia_Anseo


    Word on the street in Douglas is that the shopping centre was struggling financially so what better way to set it ablaze and get the insurance money before the company goes bust.

    That shopping centre will be shut for years and be an eyesore


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    #237
    Padre_Pio
    Registered Users Posts: 5,215 ✭✭✭Padre_Pio


    Dia_Anseo wrote: »
    Word on the street in Douglas is that the shopping centre was struggling financially so what better way to set it ablaze and get the insurance money before the company goes bust.

    That shopping centre will be shut for years and be an eyesore

    Take it to the conspiracy theory forum. If you were going to burn down a shopping centre, a Zafira in the car park would not be the way to do it.


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    #238
    Douglas Eegit
    Registered Users Posts: 278 ✭✭Douglas Eegit


    Dia_Anseo wrote: »
    Word on the street in Douglas is that the shopping centre was struggling financially so what better way to set it ablaze and get the insurance money before the company goes bust.

    That shopping centre will be shut for years and be an eyesore

    Near full occupancy... 3 anchor tenants... Pull the tinfoil hat down further


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    #239
    Dia_Anseo
    Closed Accounts Posts: 433 ✭✭Dia_Anseo


    Padre_Pio wrote: »
    Take it to the conspiracy theory forum. If you were going to burn down a shopping centre, a Zafira in the car park would not be the way to do it.

    Why not? Hasn't it have the desired effect?

    Plus wasn't it strange security guards just ran about and watched the fire and didn't use fire extinguishers.
    Plus no sprinklers in the car park.
    The Zafira was best car to use as everyone know they go up on fire


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    #240
    TheChizler
    Registered Users Posts: 9,455 ✭✭✭TheChizler


    You're trying too hard Dia...


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    #241
    Padre_Pio
    Registered Users Posts: 5,215 ✭✭✭Padre_Pio


    Dia_Anseo wrote: »
    Why not? Hasn't it have the desired effect?

    Plus wasn't it strange security guards just ran about and watched the fire and didn't use fire extinguishers.
    Plus no sprinklers in the car park.
    The Zafira was best car to use as everyone know they go up on fire

    Ah, so the security guards are in on the conspiracy too! As well as the woman who drove the car in. Maybe the fire brigade were in on it too! The plot thickens :rolleyes:


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