Can I just run the following past the experts here regarding whether or not it is possible to claim on my neighbour insurance...
Two days ago, a tree on the local farmers land fell across a stream and road before falling onto my wife's car. Damage is relatively minor but the front windscreen is smashed and the bonnet will need replacing.
My understanding is that this is normal covered under an "act of god" such that it will be necessary to claim from my wife's car insurance.
However, there is additional facts which may enable us to claim of his insurance. First, the