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Hi thanks for the additional information. This really is an issue of whether you are covered under the terms of the insurance policy - cover cannot be taken for granted: you must look at the policy documents to see what's included and what's not. Exclusions will apply in certain circumstances. I have to say though that I am a little surprised that you would have to declare a trampoline - i would have thought that would be covered under the general heading of household contents. I suggest you look carefully at your policy documents and ask your insurer to re-think their position but if they refuse your two options are: make a complaint to the Financial Ombudsman on the basis that their decison is unreasonable or pay the damage yourself (if the insurer will not pay then you or the owner of the trampoline will have to compensate the car owner).