Claim case sharing

Scenario:
Mr. Chan's car was damaged in a traffic accident in which a third party was held responsible for causing damage to his car. Having taken out comprehensive motor insurance with us, Mr. Chan submitted a recovery claim for the repair cost.

After that, Mr. Chan wanted to claim back the following losses arising out of the accident:

1. Insurance premium
2. One month's rental fee payable to the landlord of the carpark that Mr. Chan has rented for daily parking of his car, as a rental agreement for 12 months had been entered into between Mr. Chan and the landlord

As the third party was totally liable for the damage to Mr. Chan's car, basically we were not liable for the claim. But as we always aim to provide meticulous services to our customers, when Mr. Chan submitted a claim for the above items to us, we nonetheless helped him to file the claim to the third party.

However, the third party rejected the claim.

Question:

Why couldn't Mr. Chan get these claims paid?

Answer:

The reason for Mr. Chan not getting the claim for insurance premium was because it is a cost incurred by the insured for insurance coverage and is not directly related to the damages caused by the accident, therefore, the third party is not liable for the cost.

Regarding the rejection of the claim of one month's carpark rental fee, as it was a fixed cost item, the said cost would have been incurred regardless of whether the car that was damaged was parked in the rented carpark or not. Therefore, the third party was not liable for such cost.

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