Insurance and non compliance with Best practice Guidelines

[Mr Ed]

I thought this deserved its own thread, as it has come up a few times, and no one seems to have a definative answer. I work 90% on contract work, where having NPTC's are a pre requisite, but what about private work?

 

If an accident happens, and you were found to be non compliant (i.e. No Rescue Climber, or no ticket for a piece of equipment you were operating)

 

Will this render your insurance void? I am not talking about HSE prosecution (that will happen whatever), but your insurance company refusing to pay.

 

I know that driving a vehicle without having the statutory licence will render your insurance void, but does the same

apply to commercial insurance.

 

I suspect there will be a lot of opinion on this, but some hard facts would be good to know...

[combined tree services]

great thread Mr ed . i will be interested to see the outcome !!!

[Dean Lofthouse]

The fact is if the insurance company don't specify then they can't refuse to pay.

 

In car accidents, its very rare for an insurance company to not pay out to the driver who caused the accident

[Mr Ed]

The fact is if the insurance company don't specify then they can't refuse to pay.

 

In car accidents, its very rare for an insurance company to not pay out to the driver who caused the accident

 

Insurance companies are voiding all claims now if the driver has points they've not declared.

[Dean Lofthouse]

The best way forward then would be to ask for a copy of the terms and conditions from the particular company you are getting a quote from because the more "specailised" will have it in the small print whereas as most will not.

[ukminch]

It's been proved in some test case or rather somwhere that an insurance company will pay out to the third party even if you've not done things right. Whether or not they'll pay you I guess depends on their t+c's and the mood of the loss adjuster.

[skyhuck]

I know that driving a vehicle without having the statutory license will render your insurance void, but does the same

apply to commercial insurance.

 

...

 

 

Even if it does, tickets and other HSE "recommendations" are not law, your driving license is.

 

But speed limits ARE law, BUT I know of NO insurance co refusing to pay out for a speeding driver.

[Dean Lofthouse]

There's a case coming up soon with my mate.

 

He rented out his building, which was used to grow canabiss in the upstairs part, there was an electrical fault and the building set on fire and is badly damaged.

 

The rentee was arrested but my mate is now of the mind that the rentees insurance wont pay out, I dont know whether my mate had his own insurance

 

This only happened this weekend so wont find out for a while

[skyhuck]

There's a case coming up soon with my mate.

 

He rented out his building, which was used to grow canabiss in the upstairs part, there was an electrical fault and the building set on fire and is badly damaged.

 

The rentee was arrested but my mate is now of the mind that the rentees insurance wont pay out, I dont know whether my mate had his own insurance

 

This only happened this weekend so wont find out for a while

 

A tenant does not insure the building, the landlord does.

 

Tenants normally only have contents insurance.

[Mr Ed]

Even if it does, tickets and other HSE "recommendations" are not law, your driving license is.

 

 

Thats why I used the word 'statutory'.