A bit gutted, as I'm sure you can imagine. My wife returned to where she had parked our less than a year old Alfa Romeo last night only to find a note on the windscreen and the bonnet all caved in. Earlier in the day a tree had fallen and landed right on the front of our car and the back of one of her colleauges cars who was parked directly infront. The owners of the tree have tried to be helpful and fortunately took a picture before it was removed. I have contacted the insurance who have helpfully advised that the claim will need to be made against my own policy. Fortuantely, it is just a car, and worst case is it's only money, no one was hurt, but as the tree that fell was in a persons garden and they have provided their home insurance details which we have passed on to our insurers I'm not 100% sure why we should take the hit. Long shot, but does anyone have any idea if I am being fobbed off by my insurer or if I am just going to have to bend over and take a hit? on this?