[DASERVICES]

http://www.metro.co.uk/news/article.html?in_article_id=45848&in_page_id=34

[niceandclean]

Unbelivable!! That is ludicrus!! Im going to check mine now!!

[Tosh]

From the link:

A window cleaner who was paralysed after plunging 9m (30ft) at work has been told he was not insured to climb ladders.

Despite shelling out £310 a year on insurance, Ricky Perrin is devastated he was not covered for the injury, which has left him wheelchairbound for life.

Doctors told the 28-year-old father of two he will never walk again after breaking his back when he fell from a window ledge at a nursing home in November.


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Mr Perrin, who set up the business last year in his home town Hove, in East Sussex, said: 'I took out the policy precisely because I wanted to protect my family if I had an accident at work.'

An invoice from Icon Insurance in September states he could receive up to £10million if he had an accident.

But, when Mr Perrin contacted the company to discuss his claim, he was told he was not insured to be on the ladder. 'They told me I had taken out a policy that covered employees and I wasn't covered as it was my own business,' he added.

Mr Perrin is now living in a hotel room with his partner Sharon Banks, 33, and their sons, aged nine and seven months, while they wait for their council to find suitable accommodation.

Icon Insurance refused to discuss 'individual cases'.

Poor guy!  28 Years old, paralysed and having two young children.  Living in some B & B.

How lucky are we?

[DASERVICES]

Something else to think about, if you are working for someone else as self employed and then have an accident then there could be a strong chance that they would not pay out. Reason because they would state as you were working for someone then you should have been on employee's insurance.

One to think about as they will find ways not to pay out.

Doug

[shammy davis jnr]

its scary stuff doug
the old small print i will be checking mine with a microscope tomorow
hope the guy and family get some form of help you just wonder what you actualy pay for  and they think were the bad ones when we have to add on a pound our two to the price of a clean and hope the under cutters of the world a reading this. this industry realy needs the wah regulations
to tell the truth the hole truth and nothing but so we can continuie to do our trade safely and  the insurance companies to tell it like it is this stuff realy makes me f***in mad ,poor guy
we realy need a unity of some decription to get these questions answered once and for all i know in my heart that the scotish guys on here are trying to up the game through the proper licence procedures ,to me its a step in the right direction get them to the table then once we have a voice we can talk ...
its storys like this that makes you think just think if it were a firefighter that even gets hit by a stone from some ned
they have all the back up they need by union,police,goverment procedure etc, no not us poor guys we would have to go to the police to report this ,get looked at as if we have horns,and then get told there is nothing we can do for you mate ,
its a tall monster to cage but i think we need a voice and to be treated more profsional ,
i mean you call a trafic warden a dick head   for slaping a ticket your for a fine and nearly front page news these days
i could rant all night 
is it just me our do u guy get anoyed at this thing aswell answers please
yours the davis

[tacky]

ins companies   they quick on the ball taken our cash  but u try to claim off the twats  they ll come up with small print poop   

[DASERVICES]

Here they are http://www.icon-insurance.co.uk/

The way I see it the FED or AWPC out of respect should take this case up for this poor guy. How I would tackle it the guy who sold him the policy should be sued as he has sold him the wrong policy. I thought taking out an employees policy also protected you, thats what you get asked when you go for a licence either to show employers or public liability. So what they are now saying is you need both, this is a cop out which needs the FED or AWPC to look into as it effects ALL members.

Shammy for SLWCN members we will look into this and advise on the website, this is well out of order. Icon should be blacklisted, I will speak to the committee to see if we put this on our website to Blacklist them.

Some should look into this from the other associations, we would be happy to work with any to find the cause of this. This effects us all.


Doug

[steve k]

public liability does not cover YOU for accidents.
Employees liability covers your EMPLOYEES for accidents not YOU, the employer.
If YOU work for an employer, THEIR employees liability covers YOU against accidents...if employer is liable of course.

[DASERVICES]

Who on here then thinks their Policy covers them from personnel injury. I was sold mine with it but now going to check to see if I am covered if I fell off a ladder.

So does that mean we have to take out a seperate insurance.

[eddie d]

this is terrible .
its the salesmans blame and he should look at suing  him?them for neglect/bad advice .

[williamx]

He needed to take out a separate sickness/accident policy to cover himself.

He also might be able to make a claim on the nursing homes insurance policy as they are the one who are hiring his services, the only major problem is that he has is the news report, which states that he fell from the window ledge and not the ladder, which is in breach of the HSE 2005 directive and therefore they are not liable for paying him a penny.

He should get in touch with the Insurance Ombudsman.