Gerry275 Posted August 8, 2012 Share Posted August 8, 2012 Hi Guy's, I have just been on the phone to Adrian Flux- my insurance company, as i went to fill out a show form- which asked me to confirm I have £5,000,000 of public liability- only to be told, they dont provide/cover for it. And to think i was showing at Damyon's last week end. I WILL BE CHANGING PROVIDER (being told respray to original colour on my jeep was bad enough!) Please check guys and maybe post the good ones? Gerry Quote Link to comment Share on other sites More sharing options...
poppypiesdad Posted August 9, 2012 Share Posted August 9, 2012 I will never ever again deal with Adrian Flux insurance , that is all I will say on the subject as I do not want banned from these forums due to bad language tat I would use . Jamie Quote Link to comment Share on other sites More sharing options...
Snapper Posted August 9, 2012 Share Posted August 9, 2012 Nice to see a bit of self censorship, gents. The forum would be useless without objective market analysis and info we all benefit from, so thanks for keeping it all under control. MB :-D Quote Link to comment Share on other sites More sharing options...
N.O.S. Posted August 9, 2012 Share Posted August 9, 2012 Gerry - does your MVT membership cover you for PL at events, or is that only at MVT organised events? think I gave you a big hint on another thread about insurers :-D Quote Link to comment Share on other sites More sharing options...
Marmite!! Posted August 9, 2012 Share Posted August 9, 2012 Gerry - does your MVT membership cover you for PL at events, or is that only at MVT organised events? think I gave you a big hint on another thread about insurers :-D MVT Events only http://www.mvt.org.uk/insurance_cover.htm I thought none of the MV policies included PLI.. only cover for 3rd party off road risks.. Quote Link to comment Share on other sites More sharing options...
79x100 Posted August 9, 2012 Share Posted August 9, 2012 Personal Liability insurance for yourself and your family should be included under your household contents policy, subject to any policy exclusions which often relate to the US etc. They wouldn't normally exclude sitting on a deck chair beside an old vehicle any more than they'd exclude sitting on the beach on one. Quote Link to comment Share on other sites More sharing options...
Marmite!! Posted August 9, 2012 Share Posted August 9, 2012 Personal Liability insurance for yourself and your family should be included under your household contents policy, subject to any policy exclusions which often relate to the US etc. They wouldn't normally exclude sitting on a deck chair beside an old vehicle any more than they'd exclude sitting on the beach on one. It's public liability Insurance we are talking about.. Quote Link to comment Share on other sites More sharing options...
Adrian Barrell Posted August 9, 2012 Share Posted August 9, 2012 Is this perhaps an attempt by the organisers to try and get you to accept responsibility for PLI? That is their responsibility is it not? Quote Link to comment Share on other sites More sharing options...
Gerry275 Posted August 9, 2012 Author Share Posted August 9, 2012 Is this perhaps an attempt by the organisers to try and get you to accept responsibility for PLI? That is their responsibility is it not? Hi Adrian, I also asked the members last night at the East Anglian Fighting Vehicles meeting, and that was the feeling also (so organisers keep claims down) I have reached a satisfactory conclusion. Gerry Quote Link to comment Share on other sites More sharing options...
Gerry275 Posted August 9, 2012 Author Share Posted August 9, 2012 Gerry - does your MVT membership cover you for PL at events, or is that only at MVT organised events? think I gave you a big hint on another thread about insurers :-D N.O.S. Thanks you did, and I have 3 months till renewal :-D Gerry Quote Link to comment Share on other sites More sharing options...
Marmite!! Posted August 9, 2012 Share Posted August 9, 2012 Hi Guy's, I have just been on the phone to Adrian Flux- my insurance company, as i went to fill out a show form- which asked me to confirm I have £5,000,000 of public liability- only to be told, they dont provide/cover for it. I have just found this in the archives, confirming that they have not (if ever) included PLI as far back as at least May 2010 griff66 05-05-2010, 14:19 adrian are now going to send me a email conforming i have cover at rallies / shows etc, HOWEVER the scenario of little lad tripping and hitting head on my ferret for example is still a public liability issue which as far as they are concerned is arranged at a club level fine if u belong to mvt and go to a mvt event. probably won,t use adrian flux next year!!! Quote Link to comment Share on other sites More sharing options...
Gerry275 Posted August 9, 2012 Author Share Posted August 9, 2012 I have just found this in the archives, confirming that they have not (if ever) included PLI as far back as at least May 2010 Thanks for that, - Just goes to show- Never Assume Gerry Quote Link to comment Share on other sites More sharing options...
gritineye Posted August 9, 2012 Share Posted August 9, 2012 My NFU mutual Vintage Commercial Vehicle Insurance schedule says that it covers me for: 'Unlimited cover for legal liability to the public for injury' 'Up to £5,000,000 plus costs for legal liability for property damage' Quote Link to comment Share on other sites More sharing options...
N.O.S. Posted August 9, 2012 Share Posted August 9, 2012 My NFU mutual Vintage Commercial Vehicle Insurance schedule says that it covers me for: 'Unlimited cover for legal liability to the public for injury' 'Up to £5,000,000 plus costs for legal liability for property damage' Ah, yes, but - does it include or exclude Rallies, Shows and Events? I believe that anyone with a KGM Specialist Vehicle Policy, as offered by some MV specialist insurers (remember AC Miles? :-)), is covered for 'Liabiliy to others' to the tune of £20m (reduces to £5m for vehicle over 5 tonnes). With regard to 'Rallies, Shows and Events', participation in these is specifically included under the above KGM insurance (excluding racing, pace making, speed testing, time trials, hire or reward). Quite what the situation is with little Johnny hitting his head on your bumper I don't know. The only issue I can imagine impacting on the owner would be if he tripped over something you left on the ground, or stumbled over the ruts made by your vehicle getting it into position. Unless you consider the rut thing should perhaps be covered by the event organiser? :coffee: Quote Link to comment Share on other sites More sharing options...
gritineye Posted August 9, 2012 Share Posted August 9, 2012 'SD&P only, including attendance at vintage vehicle club events, rallies and road runs.' Suppose this could be read to say only club events though, it's a nightmare. the more you read the less you know for certain! Quote Link to comment Share on other sites More sharing options...
N.O.S. Posted August 9, 2012 Share Posted August 9, 2012 '...... it's a nightmare. the more you read the less you know for certain! Exactly what I was just thinking as i put the policy booklet down. Even a slight variation in wording can make a big difference to both the way we interpret it and what it actually means in legal terms :nut: Quote Link to comment Share on other sites More sharing options...
The Garrison Posted August 10, 2012 Share Posted August 10, 2012 This rediculous form of blatant money making makes me sick. What ever happened to being responsible for your own actions? If i trip and hurt myself who do i have to blame? ... ME!. My brain didnt send the signal to my body to lift my dam feet and watch where i am going... It's called an accident.. And if i trip and smack into someones MV... ME again.. Like we are supposed to blame the owner of the vehicle for parking it hours ago, in a public area whilst on display... We need some decent high court judges to start throwing out stupid claims and get back to the real world.. Sorry.. rant over. Quote Link to comment Share on other sites More sharing options...
Tony B Posted August 10, 2012 Share Posted August 10, 2012 Unfortunatley a few years ago a certain politician decided to cut the British Legal Aid budget. So with great fan fare he introduced 'No Win , No Fee' legal services. And the Bandwagon is still acelerating! Quote Link to comment Share on other sites More sharing options...
ferrettkitt Posted August 10, 2012 Share Posted August 10, 2012 This rediculous form of blatant money making makes me sick. What ever happened to being responsible for your own actions?If i trip and hurt myself who do i have to blame? ... ME!. My brain didnt send the signal to my body to lift my dam feet and watch where i am going... It's called an accident.. And if i trip and smack into someones MV... ME again.. Like we are supposed to blame the owner of the vehicle for parking it hours ago, in a public area whilst on display... We need some decent high court judges to start throwing out stupid claims and get back to the real world.. Sorry.. rant over. No such thing nowadays an accident is ££££ !! I am with you, if I trip over its my fault for not lifting my foot high enough Quote Link to comment Share on other sites More sharing options...
Big ray Posted August 10, 2012 Share Posted August 10, 2012 This rediculous form of blatant money making makes me sick. What ever happened to being responsible for your own actions?If i trip and hurt myself who do i have to blame? ... ME!. My brain didnt send the signal to my body to lift my dam feet and watch where i am going... It's called an accident.. And if i trip and smack into someones MV... ME again.. Like we are supposed to blame the owner of the vehicle for parking it hours ago, in a public area whilst on display... We need some decent high court judges to start throwing out stupid claims and get back to the real world.. Sorry.. rant over. I agree with you, the word "accident" is a euphamism for neglect, all the problems started here when we went down the U.S. route and deregulated solicitors and allowed them to advertise. We now live in a something for nothing society. The sooner that we get back to personal responsibility for our own actions the better. Quote Link to comment Share on other sites More sharing options...
Marmite!! Posted August 10, 2012 Share Posted August 10, 2012 Ok why you need PLI at shows... one example You let little Johnny sit in your Ferret, he has his hand in one of the side hatches & the hatch suddenly slams shut (it can happen, ask sirhc), little Johnny makes a claim for damages, not the show organisers responsibility , it's yours for allowing someone in your vehicle. You can't claim off you MV policy (Unless it includes PLI) as not a RTA & also little Johnny shouldn't of been in the driving seat. Can't see how anyone can say it's a money making exercise, it's your choice if you take out PLI.. Quote Link to comment Share on other sites More sharing options...
Tony B Posted August 10, 2012 Share Posted August 10, 2012 A lot of re enactments groups offer third party insurance. the best lot for such policiys seem to be Hiscocks http://www.hiscox.co.uk/events/exhibitors. Quote Link to comment Share on other sites More sharing options...
The Garrison Posted August 10, 2012 Share Posted August 10, 2012 Military and Civie Law trained in prosecution and defence as well as a MV owner.. so yea i can say its money making.. Anyway really dont want to turn this thread into a grudge match... so Have a great weekend everyone.. and thanks to War & Peace for sending New Zealand its rain, our back yard and driveway looks similar to some of the amazing pics we have been seeing, with another four days of heavy rain scheduled.. Almost need a DUCK to go get the mail As a comparison 5mil of PLI over here would run over $1800 per year. Quote Link to comment Share on other sites More sharing options...
N.O.S. Posted August 10, 2012 Share Posted August 10, 2012 Military and Civie Law trained in prosecution and defence as well as a MV owner.. so yea i can say its money making.. Anyway really dont want to turn this thread into a grudge match... so Have a great weekend everyone.. and thanks to War & Peace for sending New Zealand its rain, our back yard and driveway looks similar to some of the amazing pics we have been seeing, with another four days of heavy rain scheduled.. Almost need a DUCK to go get the mail As a comparison 5mil of PLI over here would run over $1800 per year. Hey. no grudge match going on here - just people exchanging views :laugh: Enjoy the rain! And be thankful you don't have a blame culture yet! Quote Link to comment Share on other sites More sharing options...
Big ray Posted August 10, 2012 Share Posted August 10, 2012 Ok why you need PLI at shows... one example You let little Johnny sit in your Ferret, he has his hand in one of the side hatches & the hatch suddenly slams shut (it can happen, ask sirhc), little Johnny makes a claim for damages, not the show organisers responsibility , it's yours for allowing someone in your vehicle. You can't claim off you MV policy (Unless it includes PLI) as not a RTA & also little Johnny shouldn't of been in the driving seat. Can't see how anyone can say it's a money making exercise, it's your choice if you take out PLI.. Correct, fence it off from joe public (they do in museums) and then we can enjoy the show also, without having to worry about little Johnny. We did not create this problem, the claim culture did, and thats joe public............. its all such a shame, because we all love to show and talk about our pride and joy with anyone thats remotely interested Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.