Public Liability Insurance?

Post by **Rasputin** » Thu May 21, 2009 10:24 pm

I have recently been trying to enter my pick up in one or two Steam Rallies in my area,and on the forms I downloaded they state that all exhibitors need public liability insurance for at least £2,000,000.Surely the organisers of the rally have to provide the insurance?

Post by **bmcecosse** » Thu May 21, 2009 11:09 pm

2 Million !! Seems a lot - what cover does your road traffic insurance offer - but do check if it's operational when you are off the Public Highway - ie inside a show ground!

Post by **alanworland** » Thu May 21, 2009 11:12 pm

2 million for a 1000! Wow!

Post by **aupickup** » Thu May 21, 2009 11:12 pm

my general public liability was for 1 million

Post by **bmcecosse** » Thu May 21, 2009 11:15 pm

Sure it's not intended for the Steam Engines - which have to be 'insured' in case they blow up!

Post by **ASL642** » Fri May 22, 2009 10:54 am

As a Club we hold Public Liability Insurance of £5 million. Contact Liz Saxon at the Club Office 01332 291675. You may be covered by saying your providing a "Club Presence" at ther show.

Post by **moggie-tom** » Fri May 22, 2009 1:21 pm

£2,000,000 blimey! How much damage can you do with a Morris Minor!?

Post by **alzax3** » Fri May 22, 2009 8:09 pm

Yup, Nova Club has the magic £5 million policy too, (and it's a tiny club compared with this one!) though I'm pretty sure we have to have an officially booked club stand for it to be active at a show...... (we do have the interestingly potentially dangerous hydraulically powered canopies, far more scope for injuring the inquisitive than an unexpectedly descending Moggy bonnet!)

Post by **ASL642** » Fri May 22, 2009 9:34 pm

That's really what the policies are needed for - to cover us just in case the gazebo blows away in the breeze and lands on someone's pride and joy - bit like last year's National Rally

Post by **mal** » Sat May 23, 2009 7:48 pm

Just dug my policy out for this year... we get it free with our subs; each year.. not bad for a small club and only £8 subs; a year.. no wonder we have members from as far away as B'Ham

I know a few people who only join the club for the insurance.. having said that, I've never been asked for it at any shows I attend.
The policy is with Footman James and it covers jointly ( club stand ) or an individual club member attending a show, liability is for £5,000,000, so I suppose it's worth having

Mal

Post by **croft** » Sat May 23, 2009 8:22 pm

"Surely the organisers of the rally have to provide the insurance"?

Were getting into a legal minefield here

I'm sure the organisers will have a public liability insurance for the show/field but are trying to cover there backs should something go wrong. I assume its something to do with the "Steam Engines" Just imagine the carnage if one did blow up with a bunch of onlookers standing around it! Again I would assume if you have a Steam Engine you would have a public liability policy for it in case the thing did go wrong. As a point of interest, does your car insurance cover you for attending shows? On the other foot, what happens if your car gets damaged at the show? Does the show have a policy to cover that? Insurances - Dont you just Love -em!!

Post by **mal** » Sat May 23, 2009 10:20 pm

Were getting into a legal minefield here

I agree with you on that point Croft, it's something I've never worried or even thought about and certainly wouldn't go out and buy it.. the amount of shows I've been to over the years I've never been asked if I had pli; but I have noticed on some entry application forms they do require it

but that's all..
I suppose in my case and other club members it's nice to have the cert;
in the car incase one official ( there's always one ) asks to see it.

Mal

Morris Minor Owners Club