The sailor's wife says they aren't claiming on their own insurance because of fear of raised premiums in future when not at fault.
1) Have they discussed this with their insurer and confirmed their premium will be affected?
2) Presumably the insurer would attempt to recover their costs from the negligent party (Vivo or DIO) - clearly as repairs had been attempted the couple had reported the defect?
3) Did they include (often optional) legal insurance in their policy?
0605. Insurance. Licensees are strongly recommended to arrange insurance for:
a. Their potential liability to DIO Accommodation up to a maximum of £20,000. As
personnel occupy Service Family Accommodation & Substitute Service Family
Accommodation under a Service Licence to Occupy agreement (known as a
Licence to Occupy) they are not classed as a tenant and, therefore, standard home
insurance policies do not cover the potential liability. The Services Insurance &
Investment Advisory Panel (SIIAP) has provided a web page detailing a number of
insurance providers who can organise policies that have been designed specifically
for SFA occupants. The web page can be found at
www.siiap.org/l2o or here for the
SIIAP home page
www.siiap.org/home.
b. Their personal property and that of any spouse/civil partner or child(ren).
c. Their liability to third parties in respect to injury to them and damage to their
property.