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Daughters horse hit a car
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dizsiebubba wrote: »I'm an insurance broker and just to clarify... there are only 3 types on compulsory insurances in the UK
1) RTA cover on a motor vehicle
2) Employers Liability for anybody who employs somebody
3) Public Liability for Horse Owners.
He may not have cover for his own vehicle which is completely legal... however the horse kicked his car... not by accident... on puropse so the liability falls with the horses OWNER. The owner needs to have advised their company that they loan out the horse, so that this claim will be covered. Ultimately, you and your daughter have no legal responsibility for the accident.
That's a surprise. As is comulsory insurance for anybody who employs somebody.The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
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That's a surprise. As is comulsory insurance for anybody who employs somebody.
Your knowledge of insurance is very poor.... you can find what i told you quite simply by doing an internet search...
Stop handing out advice and opinions without having the basic knowledge to support it.:jBaby Boy born December 2012
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I did and this is what I found:Public liability / third party liability cover
Whilst having horse insurance isn’t compulsory by law, horse owners are legally liable for any damage or injury that their horses cause to others or their property. With possible scenarios including horses causing road traffic accidents, potential costs to horse owners can be substantial. Horse insurance featuring third party liability cover can help to protect owners against such costs including legal expenses and compensation claims.
http://www.horseinsuranced.co.uk/04/an-introduction-to-horse-insurance/
I had better tell Mrs Flyboy that she can't work for me anymore as well, seeing as I don't have this compulsory Employers Liability insurance you speak of and come to think of it, I can't can't work for my company either.
I had better tell the dog he has to go too.
The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
dizsiebubba wrote: »Your knowledge of insurance is very poor.... you can find what i told you quite simply by doing an internet search...
Stop handing out advice and opinions without having the basic knowledge to support it.
Before you give advice, I'd do a bit checking, or it might come back and bite you on the rump.The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
How about checking a real website who gives relaible advice... like I don't know the FSA!!!
And yes, if your wife is employed by you, that is breaking the law... google ELTO and then see as of April next year you should expect a hefty fine!
I can see you are a bit petty having read all of this thread so i will leave it at that. OP you can see the advice I have left you and good luck with it.:jBaby Boy born December 2012
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dizsiebubba wrote: »Your knowledge of insurance is very poor.... you can find what i told you quite simply by doing an internet search...
Stop handing out advice and opinions without having the basic knowledge to support it.
Can you show us the legal requirement to insure a dog or horse?0 -
dizsiebubba wrote: »How about checking a real website who gives relaible advice... like I don't know the FSA!!!
To save the wear on my fingers, as you seem to know exactly where this information is, how about point us in the right direction?
What has the FSA got to do with compulsory insurance. The FSA regulates the sale of insurance products, it does not force people to have the insurance. The forum seems to be full of trolls today.And yes, if your wife is employed by you, that is breaking the law... google ELTO and then see as of April next year you should expect a hefty fine!
Please tell us what the law says about employing family members and Compulsory Employers Liabilty Insurance?I can see you are a bit petty having read all of this thread so i will leave it at that. OP you can see the advice I have left you and good luck with it.
What advice have you given? All you have done posted a load of uninformed nonsense, then castigated those who have challenged you.The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
Can you show us the legal requirement to insure a dog or horse?
Maybe that is how certain "insurance brokers" work - making up laws to frighten people into buying insurance
"One thing that is different, and has changed here, is the self-absorption, not just greed. Everybody is in a hurry now and there is a 'the rules don't apply to me' sort of thing." - Bill Bryson0
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