Does my Home Insurance Cover Me For Personal Liability Outside The Home?

shan7-8-6

hey everybody,

Hope you can help me with this, basically I hired a truck and a driver for 2 days (driver was going to help maneuver goods within the truck using a pallet truck). Basically he's claiming that one of the pallets was about to topple over, so he grabbed it, and it caused him to get a hernia. Although he claims this, the incident never occurred and he never mentioned anything to me and was more than happy to come to my friends house to pick some food his mum had made for him the day after! Anyway this happened back in 2009 and at first his claim was against his employer, but the employer did not have liability insurance for there employee, and they said if they lost the claim they would have to close up. So basically the claimants solicitors added me to the case as a defendant as well, and I have no way of defending myself since I can't afford a solicitor and I have no idea why they thought I'd be able to pay them anything even if they won!

So basically someone mentioned that my dads home insurance would cover me for personal liability? My dad has contents insurance with co-op and building insurance with aviva, both have the "personal liability cover up to £2million.

Any help would be really appreciated!

Thank you for your time

dacouch

What was the relationship between you and them, were you using them in a business capacity or for domestic reasons.

Who did you pay the driver or the company

olly300

It looks like the solicitor is an ambulance chaser as it's illegal for the employer of the driver, even if the driver is considered self-employed by the tax office but does regular work for that employer, not to have employers liability insurance in case of claims like this.

You should mention this in passing to the solicitor as the company should have a policy of about £10million that can be claimed off., and if they haven't why hasn't the solicitor informed the HSE?

You really need to clarify if it's in an business or personal capacity, if it's a business what form of business it is i.e. how big you are and whether you are incorporated, and if it's personal whether you live permanently in your father's house.

shan7-8-6

olly300 wrote: »

It looks like the solicitor is an ambulance chaser as it's illegal for the employer of the driver, even if the driver is considered self-employed by the tax office but does regular work for that employer, not to have employers liability insurance in case of claims like this.

You should mention this in passing to the solicitor as the company should have a policy of about £10million that can be claimed off., and if they haven't why hasn't the solicitor informed the HSE?

You really need to clarify if it's in an business or personal capacity, if it's a business what form of business it is i.e. how big you are and whether you are incorporated, and if it's personal whether you live permanently in your father's house.

Hi,
Basically there insurance did not cover the driver outside the premises, they supposedly only found that out after the claim and looked at the insurance documents!

It was done in a personal capacity under my own name, no business name etc, I was not incorporated and no financially I'm broke, I have defaults from old credit cards etc, I only just about covered the costs from the dental chairs since many parts were missing, I still owed the storage unit landlord around £400 which he let me off with. And yes I live permanently in my fathers house, and have no income.

Hope that helps

shan7-8-6

dacouch wrote: »

What was the relationship between you and them, were you using them in a business capacity or for domestic reasons.

Who did you pay the driver or the company

I paid the company, I was using them not as a business but as an individual. I was not self employed and had no income at the time, all the money I had was borrowed from family.

dacouch

shan7-8-6 wrote: »

I paid the company, I was using them not as a business but as an individual. I was not self employed and had no income at the time, all the money I had was borrowed from family.

It's not very clear, what were you doing with the dentists chairs were you selling them for a profit.

magpiecottage

Contents insurance DOES normally cover third party liability - but not in respect of motor vehicles.

If the accident never happened then this sounds like fraud. I suggest you report it to Actionfraud or the Police.

dacouch

magpiecottage wrote: »

Contents insurance DOES normally cover third party liability - but not in respect of motor vehicles.

If the accident never happened then this sounds like fraud. I suggest you report it to Actionfraud or the Police.

It's a lifting injury on the back of a truck