Nothing to do with your Car Insurance in my opinion. I just can't see the Insurers agreeing that it relates to the use of the car. The car was not in use as such. But you can give them a call to ask the question in general, but make sure the claim is not noted on the policy, if it is not something they would look at. Otherwise you risk having a claim event affecting the premium, even though they would never pay out.

The third party should claim off their own Car Insurance and it would be up to their Insurers to try to claim back of your Home Contents Insurance. The third party may also try to reclaim their excess this was as well. Home Contents Insurance includes personal liability cover, so if they agree that your wife was negligent they may accept the claim from the third party. Don't be surprised if your Home Insurers don't play ball, as there is normally an exclusion related to motor vehicles. The argument however, is that as the car was not in use at the time, it would not be a claim under Car Insurance, but a general issue of personal liability which may be covered under Home Contents.

My wife had the car parked on a slope in a supermarket car park. When opening the boot she let go of the trolley which rolled into someone's car (the driver was sitting in it). Seemed to be some green paint from the trolley on the other car but no dent, but you never know what people might claim....

Just wondered if people thought that would be covered on my motor policy ("we will pay...for loss or damage to property caused by or arising out of the use of this car...").

Or should I be looking at my contents insurance? I don't see anything in it about third party property...

Thanks

Martin