Tradesman with no liability insurance

mackemdave

I have already paid the guy for the work he has done....so cant with hold that...He called out the plumber.

So not having the liability insurance isnt the big issue I thought it was...Someone told me that it was illegal to work without this insurance but obviously thats not the case.

Will have to wait and see what happens over the next few days

Thanks for replies

phill99

mackemdave wrote: »

ISomeone told me that it was illegal to work without this insurance but obviously thats not the case.

There are no laws that state that a Tradesman has to have liability insurance, although I think for a Gas safe Engineer to work, he must have liability insurance.

garethgas

I have £2m liability insurance. I've never claimed on it. If I made a mistake like that, I'd own up to the customer and obviously I'd be in a position to repair it there and then with the minimum of disruption.
However, if I damaged something I couldn't repair, I'd pay someone to fix it. No drama, these things can and do happen.
My view is for you to tell the plumber to go ahead with the job and to send the bill to the 'tradesman'.
I fail to see why its any more complicated than that.

photome

mackemdave wrote: »

I have already paid the guy for the work he has done....so cant with hold that...He called out the plumber.

So not having the liability insurance isnt the big issue I thought it was...Someone told me that it was illegal to work without this insurance but obviously thats not the case.

Will have to wait and see what happens over the next few days

Thanks for replies

Not illegal just crazy, but you could have checked with him before he started the job

busiscoming2

garethgas wrote: »

I have £2m liability insurance. I've never claimed on it. If I made a mistake like that, I'd own up to the customer and obviously I'd be in a position to repair it there and then with the minimum of disruption.
However, if I damaged something I couldn't repair, I'd pay someone to fix it. No drama, these things can and do happen.
My view is for you to tell the plumber to go ahead with the job and to send the bill to the 'tradesman'.
I fail to see why its any more complicated than that.

Totally agree.

Leif

dave82 wrote: »

Fair enough but you are paying him for the job he isn't a mate. His liability insurance isn't your responsability. I would expect him to put it right at no cost to you.

Exactly. If he has insurance, then it pays. As he hasn't, he pays. That I believe is the legal responsibility on him.

bengasman

Leif wrote: »

Exactly. If he has insurance, then it pays. As he hasn't, he pays. That I believe is the legal responsibility on him.

It is by no means without doubt who's at fault here, lawyers could have a field day with that. It could well be argued that pipes and cables should not be randomly hidden in the wall and certainly not without adequate protection, and that he can not be held responsible for substandard work.

Leif

bengasman wrote: »

It is by no means without doubt who's at fault here, lawyers could have a field day with that. It could well be argued that pipes and cables should not be randomly hidden in the wall and certainly not without adequate protection, and that he can not be held responsible for substandard work.

Cables and pipes are routinely placed in walls without much protection e.g. electrical wires either plastered over, or protected by a simple conduit. A skilled worker should locate pipes and wires beforehand. With luck a lawyer, or someone who had been through the legal process will know, rather than me just guessing, since I am not a lawyer, and I suspect the same is true for yourself.

bengasman

Leif wrote: »

Cables and pipes are routinely placed in walls without much protection e.g. electrical wires either plastered over...

That doesn't make it correct. There are specific legal requirements for where wiring can be hidden in walls without adequate protection.

mikey72

garethgas wrote: »

I have £2m liability insurance. I've never claimed on it. If I made a mistake like that, I'd own up to the customer and obviously I'd be in a position to repair it there and then with the minimum of disruption.
However, if I damaged something I couldn't repair, I'd pay someone to fix it. No drama, these things can and do happen.
My view is for you to tell the plumber to go ahead with the job and to send the bill to the 'tradesman'.
I fail to see why its any more complicated than that.

That would be my view.

Tradesman drills through pipe.
Tradesman calls plumber to fix it.
Plumber fixes it.
As the damage was caused by the tradesman, and the plumber was called by the tradesman, plumber sends the bill to the tradesman.
Householder isn't involved.