loler

[Ben Ballard]

cheers mate for your input,it realy not worth cutting corners

[Frankie Lawrence]

I have two questions to ask and thoght I would wait for a loler thread to come up.

 

If your kit has been used minimal amount of times as in once or twice in 6months still lolerd right?

 

If you dont loler your climing kit for say 12 months and then think 'bother I beta loler it' Will it instantley fail because you have left it or if its in top condition its ok?

 

To be honest im neither of these but in 4 months time I may be the first question ie my kit may have minimal use.

 

thanks

[skyhuck]

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)

 

Could we please have link to some documentation on this case please??

 

Or is it just another "this if fact, honest":001_rolleyes:

[skyhuck]

Presumable we are talking here about claim that results from an equipment failure of a piece of equipment that was not loler'd.

 

I can think of no other reason were an insurer would be able to use lack of loler as a way to try and void a claim.

[sean]

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.

 

I thought car insurance becomes invalid if car hasn't got an mot?

[Steve Bullman]

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)

 

im sorry, i dont believe that for one second(the bit about taking everything in your house)

[Mozza]

So your left stood on the street with a suitcase and a tooth brush??

 

Behave!!

[Mesterh]

Hmmm yeah I'm not sure it is true tbh.

 

I mean come on if insurance companies really didnt want to pay out if they dig deep enough they could get out of everything! OR have enough clauses to not tie them in to anything.

 

Surely they are there for when someone is negligent/human error, mistake which apparently is 98% of all insurance claims.

[Ben Ballard]

it seems so many extra things in our industry that we have to comply with, to do things right when alot of it comes down to common sence may be one day we will have to have a ticket for that,

[Frankie Lawrence]

it seems so many extra things in our industry that we have to comply with, to do things right when alot of it comes down to common sence may be one day we will have to have a ticket for that,

 

Its funny Ive always been told to look at it like: 'A plumber can buy some tools 500-1000? and a van (escort 250-500) and if there qualified thats it they can go to work.

 

An tree surgeon- A groundsaw a good one being 350-500 + top handle 500 blower, climbing kit, tippper truck, chipper. thats minimum.

 

THEN if your sticking directley by the book yo have loler certs to pay for, insurance, refreshers, if you employ training courses.

 

When you look at it like that I can see why you self employed lot find it hard and I do feel lucky as an employee:thumbup1: