I think this issue fits in with legal and insurance coverage.
I have a property that is in a dual occupancy in Canberra, ie two separate detached houses on a sub-divided block of land, but sharing a common driveway with a slim nature strip adjacent to neighbour in the next block. Our houses are called unit 1 and unit 2.
I have taken out insurance with NRMA to cover house, cars, building and content and NRMA sales said that NRMA will cover renovation up to $50k as well as the common driveway.
Without consultation the owner of the other unit has taken out a GIO policy to cover both units 1 and 2. He claims that I should pay him half and his policy is the operational one. He claims that NRMA cannot cover houses in such situations - something about unit title and multi-unit dwelling. He has gone to the trouble of pursuing his point of view up the administrative structure of NRMA to its policy section and claimed someone agrees with his view.
I have previously checked with GIO, which advised that it does not cover renovation in residential property, which is undergoing in my property.
I have spoken to the neighbour of the other unit on three ocassions and on these occasions I have made the following points:
1. his insurance with GIO is unsuitable for my property as it does not cover renovation on my property
2. I have adequate insurance with NRMA for my needs
3. Our units are in an informal body corporate which has only responsibiity for the shared driveway and adjacent nature strip. It should not have responsibility for houses (and its insurance). At the moment, there is sharing of water bill but separate meter for electricity and rates. (I will seek to have separate metering of water to minimise future aggravation.)
At the last and third meeting, the neigbour was quite aggitated. Now, the neighbour has provided me contact phone numbers for people in GIO and NRMA who presumably agree with him and wants me to sort it out quickly, claiming that he has insured for both of us. He also claims that it is illegal to have two insurance covering the same things (2 houses and common driveway).
I think I need to distant from the issue somewhat and perhaps wiser heads in SS may help throw some light on the whole situation.
I have a property that is in a dual occupancy in Canberra, ie two separate detached houses on a sub-divided block of land, but sharing a common driveway with a slim nature strip adjacent to neighbour in the next block. Our houses are called unit 1 and unit 2.
I have taken out insurance with NRMA to cover house, cars, building and content and NRMA sales said that NRMA will cover renovation up to $50k as well as the common driveway.
Without consultation the owner of the other unit has taken out a GIO policy to cover both units 1 and 2. He claims that I should pay him half and his policy is the operational one. He claims that NRMA cannot cover houses in such situations - something about unit title and multi-unit dwelling. He has gone to the trouble of pursuing his point of view up the administrative structure of NRMA to its policy section and claimed someone agrees with his view.
I have previously checked with GIO, which advised that it does not cover renovation in residential property, which is undergoing in my property.
I have spoken to the neighbour of the other unit on three ocassions and on these occasions I have made the following points:
1. his insurance with GIO is unsuitable for my property as it does not cover renovation on my property
2. I have adequate insurance with NRMA for my needs
3. Our units are in an informal body corporate which has only responsibiity for the shared driveway and adjacent nature strip. It should not have responsibility for houses (and its insurance). At the moment, there is sharing of water bill but separate meter for electricity and rates. (I will seek to have separate metering of water to minimise future aggravation.)
At the last and third meeting, the neigbour was quite aggitated. Now, the neighbour has provided me contact phone numbers for people in GIO and NRMA who presumably agree with him and wants me to sort it out quickly, claiming that he has insured for both of us. He also claims that it is illegal to have two insurance covering the same things (2 houses and common driveway).
I think I need to distant from the issue somewhat and perhaps wiser heads in SS may help throw some light on the whole situation.