This is a bit late, but, we had a roof tile fall of our rented house and smash the double-glazed back window on our 750. BMW reckoned about £5,500 to put right, including over £1,000 for the glass. Insurer told us that it was no problem, landlord was clearly responsible as it was poor maintenance. They haven't been able to serve Court papers on him as he gives false addresses. Our loss!
The landlord took out building insurance after the event, and tried to claim! Yes, he is Asian, and I am NOT racist.
He insures his 4x4 in Rugby, but lives in London. two offences, and uninsured. Rugby Police don't give a damn. Firstly fob me off with "not interested, it's a civil offence" I quoted the act, so they recorded the complaint and ignored it. Same with the attempted insurance fraud!
They are too busy drinking tea and eating doughnuts, and "trapping" dangerous drivers in "accident blackspots"!
Last known he was driving a Range Rover reg AV10. Of course the Police cant find him, they might have to ten. If anyone sees him the Insurance would probably pay a decent reward, and we would.