The General Posted April 11, 2015 Share Posted April 11, 2015 Hi, I am planning on taking the vehicles out to a few more shows this year, but have noticed the increasing requirement for Public Liability Insurance as well as obviously having the vehicle insured. This also seems to be a recommendation/requirement at certain militaria/aero jumble events just to have a table to sell your odds and sods. Does any body have a company that they use who covers this type of insurance? Thanks in advance, Tim. Quote Link to comment Share on other sites More sharing options...
Hoseman Posted April 11, 2015 Share Posted April 11, 2015 Hi, I am planning on taking the vehicles out to a few more shows this year, but have noticed the increasing requirement for Public Liability Insurance as well as obviously having the vehicle insured. This also seems to be a recommendation/requirement at certain militaria/aero jumble events just to have a table to sell your odds and sods. Does any body have a company that they use who covers this type of insurance? Thanks in advance, Tim. Hi You in the MVT? They have a local club scheme that covers public liabilities and kit and equipment. Also cheap vehicle insurance genes. Worth it just for that. Think I pay £5 a year for my public liability. Quote Link to comment Share on other sites More sharing options...
The General Posted April 13, 2015 Author Share Posted April 13, 2015 Thanks Hoseman, this will be a great help. Cheers, Tim Hi You in the MVT? They have a local club scheme that covers public liabilities and kit and equipment. Also cheap vehicle insurance genes. Worth it just for that. Think I pay £5 a year for my public liability. Quote Link to comment Share on other sites More sharing options...
Hair Bear Posted April 13, 2015 Share Posted April 13, 2015 We had this sort of problem 40 years ago on the vintage tractor show circuit, at that time we gave it up. Then last week this appears... http://www.telegraph.co.uk/finance/personalfinance/insurance/motorinsurance/11493891/Youll-need-100-car-insurance-for-lawnmowers-says-EU.html The important bit being "The court in Brussels decided that any moving vehicle, on public and private land, should have motor insurance, regardless of whether they are driven on the road or not." Quote Link to comment Share on other sites More sharing options...
Brooky Posted April 13, 2015 Share Posted April 13, 2015 generally your motor insurance will cover public liability Worth checking with your insurance company Quote Link to comment Share on other sites More sharing options...
MB1944 Posted April 14, 2015 Share Posted April 14, 2015 The enquiries I have made with military vehicle insurers have revealed that most don't cover public liability at shows. The MVT has no scheme to offer individual public liability insurance. Quote Link to comment Share on other sites More sharing options...
Hoseman Posted April 14, 2015 Share Posted April 14, 2015 The enquiries I have made with military vehicle insurers have revealed that most don't cover public liability at shows.The MVT has no scheme to offer individual public liability insurance. Hi Sorry,my mistake, thought it covered all Paul Quote Link to comment Share on other sites More sharing options...
robin craig Posted April 14, 2015 Share Posted April 14, 2015 I am so glad to see you folks on the European side of the Atlantic are having the same whining and crying about public liability insurance. We get it here daily. I told one organiser that Military vehicles carry picks and shovels so there won't be any issues, we would simple bury the evidence of a liability event ever having occurred. She looked at me as if to suggest I was joking and a friend of mine suggested that I was not and she did not come back for the rest of the event. Honestly, it is a sad sign of the times when people will not take responsibility for their own stupid actions or lack of care and control and want to come after me because Daimler in 1954 put blunt corners on a vehicle and they walked in to it at a show and now they have an ouch. I am nearing rant levels here so I will cease and desist. Here endeth the lesson. R Quote Link to comment Share on other sites More sharing options...
Bob Grundy Posted April 14, 2015 Share Posted April 14, 2015 Robin There is nothing wrong in a rant. It seems we are losing sight of what it is to be alive and be responsible for our own actions. Quote Link to comment Share on other sites More sharing options...
paulob1 Posted April 14, 2015 Share Posted April 14, 2015 to a degree yes, it is frustrating that the world is always looking for a scapegoat...the chap in the tiger moth who crashed and killed the passenger is being done for manslaughter because he should have known he could not make the loop at the altitude he was....of course he was foolish I suppose, naive maybe but manslaughter, the next thing to murder...come on world wake up is this really what we want... liability insurance is included if you ask for it at shows for some companies...I am sure Cherished Vehicles do something or was it Footman James. I dont use Footman James any more they have become too onerous and expensive...but am sure one of the companies I have used over the years covered the shows... best to keep people away from your vehicles with a barrier I guess... Quote Link to comment Share on other sites More sharing options...
fv1609 Posted April 14, 2015 Share Posted April 14, 2015 ....unless they trip over the barrier :-( Quote Link to comment Share on other sites More sharing options...
79x100 Posted April 14, 2015 Share Posted April 14, 2015 Liabilities which do not arise from the ownership or operation of a motor vehicle should be covered by the personal liability aspect of a standard home contents public liability extension. The motor insurance should pick up any risks attached to the vehicle itself. There would not normally be an exclusion relating to shows any more than there would be in a supermarket car park. If someone walks into a vehicle, the owner is unlikely to be held liable but if he were to be, the third party insurance should deal with it. The only way to be certain is to examine the policy wording but bearing in mind that the vehicle insurer will have to deal with any excluded claim as interested insurer, there is little point in them excluding third party liabilities at a 'show'. There could be problems on MOD land, or 'airside'...and obviously there could be difficulties for vehicles which are not used or insured on the road. Strictly speaking, even these should be insured for third-party risks, which may be problematical. An individual with a jumble stand would be covered by the 'household' insurance but if it could be deemed a business then it will not be covered and a commercial liability policy is needed. Quite frankly, I think that anyone who steps outside the door without public and personal liability cover needs their heads testing...but anyone who has home contents insurance should be able to include it at little or no charge. Quote Link to comment Share on other sites More sharing options...
ploughman Posted April 14, 2015 Share Posted April 14, 2015 If you have a sales stall then possibly a policy from the "Market Traders Federation" might suffice. I use this sort of policy for a stall I have for Plant Fairs (Green things with roots not Green things with wheels) Quote Link to comment Share on other sites More sharing options...
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