MSE News: London and UK riots: your financial rights

Former_MSE_Guy · 9 August 2011 at 11:42AM

This is the discussion thread for the following MSE News Story:

"Find out what help is on hand if you've been affected by the disorder, including whether insurance will pay out ..."

Read the full story:
London and UK riots: your financial rights

Also see:
Government unveils riot compensation scheme

vaio · 9 August 2011 at 12:20PM

A bit of research on the riot act might be useful for those who don’t have insurance.

My understanding was that the police (having failed in their duty to protect property) were liable for damage done in riot situations.

Obvious questions include the mechanism for uninsured people to access this help, what defines a riot, an indication of likely time scale etc etc

TwistedPsycho · 9 August 2011 at 12:21PM

Wasn't the Riot Act repealled because it was last used in 1929?

vaio · 9 August 2011 at 12:42PM

A bit of research on the [STRIKE]riot act[/STRIKE] The Riot (Damages) Act 1886 might be useful for those who don’t have insurance.

My understanding was that the police (having failed in their duty to protect property) were liable for damage done in riot situations.

Obvious questions include the mechanism for uninsured people to access this help, what defines a riot, an indication of likely time scale etc etc

rupertjames · 9 August 2011 at 1:13PM

There are some comprehensive car insurance policies that do not appear to cover riot damage, namely KGM, Zurich Connect & Highway - see Adrian Flux's blog post on the subject.

vaio · 9 August 2011 at 1:54PM

That’s bad news because a superficial reading of the riot damages act seems to indicate that it only covers buildings & contents.

daveboy · 9 August 2011 at 4:43PM

In relation to insurance.....I'd be looking for the words force majeure.

A quick search on Google and I found this from Virgin Atlantic (purely to be used as an example):

'Force Majeure' means any circumstances which are unusual and/or unforeseeable which are beyond the control of Virgin Holidays, the consequence of which could not have been avoided even if all due care had been exercised, including (but not limited to) war or threat of war; riot; civil strife; hostilities; political unrest; government action; industrial dispute; natural or other disaster; nuclear incident; terrorist activity; weather conditions; closure of airports; fire; flood; drought; re-scheduling or cancellation of flights or alteration of the aircraft type by an airline and technical problems with transportation that are outside our control.

Compensation will not be payable and we will not otherwise be liable to you if we are forced to cancel, delay or curtail or in any way change your reservation as a result of 'force majeure' as detailed above.

Oneday77 · 9 August 2011 at 5:45PM

Could I maybe suggest that MSE make this information more open to people other than online.
Possibly lobby the papers, TV and radio.
Some people may not have access online and at this rate the poorest are loosing out the most, so need to know.

As for anyone thinking this current behaviour is acceptable and caused by politics, go live somewhere there are no politics.
I hear Lybia and Syria are nice this time of year.

Sally_A · 9 August 2011 at 8:31PM

Anyhow...back to reality.....

Log a claim of potential loss to your insurers a s a p, even if you are not allowed to view the damage due to cordons etc. If your insurers have any chance of reclaiming from the police/government the claim should be logged within 5, 7 or 14 days depending on which news release you read.

If you can't get to your premises to assess possible damage, still log it with your insurers a s a p, as this would still come under the Denial of Access section.

spermwhale_2 · 9 August 2011 at 9:15PM

Some Insurance companies are going to try and wriggle out of some of the claims like they usually do, but one to look out for is "Riots"
For an incident to be classed as a Riot a senior police Officer must read aloud at the scene the "Riot Act" if it isnt then the so called riot is NOT A Riot, it is just disturbance.

angie_pilk · 10 August 2011 at 12:26PM

rupertjames wrote: »

There are some comprehensive car insurance policies that do not appear to cover riot damage, namely KGM, Zurich Connect & Highway - see Adrian Flux's blog post on the subject.

this is true. i had my car burnt out in 1981 toxteth riots..knock on effect through media coverage 13 cars got set on fire in bolton mine being 1 of em..fully comp ..small print due to mallicious damage ..not covered. caught 2 lads in court morning after had first lad got 6 months prison and half my cars costs he paid 50p a week for yrs after. other lad got slapped hands n no money to me cause he was under 18..and it cost me £450 for 2 weeks car insurance. did not get any rebate.right ill get off my soap box . good luck to all you victims.

MSE News: London and UK riots: your financial rights

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