Justins post made interesting, is scary reading, what the hell is the point of Public liability if you are not covered for accidental damage?
They have obviously narrowed the scope enormously of what is covered.
Some years ago now I was collecting off the customer, the day was a windy one, and right in front of them a gust of wind came along and blew my ladder off the wall it was leaning against, and it fell with an almighty bang right across the bonnet of his car.
My insurance paid up no problem. But I should not have left my ladder unattended on such a windy day, the fault was mine.
I'm not sure how I would now be covered, would my insurance company refuse to pay out because of my negligence?
On another occasion my foot went through a flat roof because it was rotten, this wasn't a full roof, was just a slight porch type of thing that also went over a protruding bay window.
The guy was an a**ehole, but the insurance paid up, he got a complete roof out of my insurance, damn thing was rotten
Note: make sure you have a camera and take detailed photo's of any damage, also get a recorder on your phone so you can have some proof of conversations, may not be usable in a court of law, but its still proof of what was or was not said.
There are only accidents because of human error, non of us will scratch a window purposely, or break or damage a customers property with deliberate intent.
I guess it means you have to lie through your teeth as to how an accident happens to prevent someone taking you to court at your own expense rather than that of your insurer. Then of course you are risking having your collar felt by the men in blue if it came to light.
It doesn't seem right that insurers should have it all there own way, an insurance should be meaningful, and it should be very clear on what it covers and does not cover, and that should not mean it being written so tiny you need a magnifying glass to read, and a degree in legalease to understand it!
What would happen if I was cleaning an upstairs window with my WFP and knocked a plant pot off a window sill, that then lands on a member of the public?
Where damage to a customers property is concerned, for the most part the cost is usually not large enough to warrent trying to claim on your insurance due to the access on your policy, but for expensive damage we want to be covered!!!!
Ian (feeling more and more narked off the more I think about it
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