loler

[Ben Ballard]

iam i right in saying insurance is not valid if dont have loler check on climbing equipment and lowering ropes ,no matter how little use it get i sure i know the answer but would like comfirm it

[Paul Smith]

Insurance will be invalid without it!

[Ben Ballard]

thancks mate for your help been playing on my mind a bit

[Mesterh]

Insurance will be invalid without it!

 

Is that a fact?

[Paul Smith]

Is that a fact?

 

Most insurance quotes will ask you do you have loler, or do you comply with current best practice and HSE standards PUWER etc.

 

If you haven't got it its another way for insurance companies to wriggle out of payment.

[Mesterh]

Possibly but not definitely.

 

I only say this because in the past there have been loads of debates around the old complying with the insurance or them not paying out scenario, for stuff like the above and/or not having up to date NPTC's or not having them in the first place etc etc.

 

From what I gather no one has ever been refused a pay out by the insurance companies for not complying.

 

Unfortunately no insurance companies have ever taken an interest in the threads/posts to clarify there stance on the matter.

 

Its obviously best to have the LOLER checks and in date tickets and use the right PPE and adhere to best practice HSE guidlines etc but since none of us probably do everything all the time its a good job that they dont not pay out:confused1:

[Rupe]

I think they would have to pay out.

 

Weather or not you then got prosecuted/fined by the HSE for non compliance would probably depend on the damage that was done (the reason for the claim)

 

This insurance is for third parties remember, PL is for the client/public and EL is of course for you employees, so injuring somebody would be covered by the policy but you will be in a world of trouble if found to be at fault through non compliance.

 

A bit like crashing an insured car that has no mot. Whoever you crash into will be covered by your policy, and then you get prosecuted by the law.

[Ben Ballard]

so hse would come down like a tonne of bricks if not in compliance and sue your arse if the equipment fails ,thancks for the input guys always good to know whats set in stone and whats not:001_smile:

[Rupe]

I don't think any of the above gives you a definitive answer, but you know loler is the right thing to do.

 

Ultimatly the important thing is to not have any accidents in the first place, and Loler, PPE and tickets etc are generally accepted as good ways to achieve that.

[educated arborist]

the insureance pays out but then the insurers take you to the cleaners as the contract you took out insists you are compliant with PUWER, WAHR LOLER etc etc. It has hapened to a tree surgeon in the UK and it was not pretty, the type of court oreder the insurers aquire means that you can loose all but the esential clothes & toiletries if you can't afford to pay (in the formentioned case the amount was just over £350,000!!!) you lose chipper, van, car, saws, house & everything in it.(unlike bankrupcy etc where they can't liqudise the tools of the trade etc)