Problem with a customer, need advice please

J_B

Manxman_in_exile wrote: »

My wife gets her hair "coloured" every month or so. I'm wondering if her hairdresser has insurance cover?

My wife, who is also my hairdresser has insurance - it cost her £38.50

(she also cuts other people's hair! )

Manxman_in_exile

J_B wrote: »

My wife, who is also my hairdresser has insurance - it cost her £38.50

(she also cuts other people's hair! )

Good for her!


But I think it's an interesting question. AIUI in many hairdressing places (female, male and unisex) the chairs are "rented". I presume some sort of training/qualification is required, and I wonder if that training covers the need to have insurance in place?


And if a customer suffers "injury", who is liable - the individual renting the chair or the business renting it out?

easy

There's a lesson to be learned here. I really hope the op has professional indemnity insurance. If she does, then she would have been offered legal protection insurance, for about 15 quid on top, and clearly should have taken it. I always added it as a self employed bookkeeper.
It does sound rather as if she doesn't have any insurance at all though, in which case this is rather a mess.

arcon5

Well her claim is flawed for starters...

You don't add the loss of earnings to the claim, you ask the judge to award it if your the winning party at the hearing. So this 1200 quid claim should instead be 450.

Secondly there are limits as to what expenses can be awarded. I believe the current limit is £50.

Nicole85

J_B wrote: »

My wife, who is also my hairdresser has insurance - it cost her £38.50

(she also cuts other people's hair! )

£38.50!!!! What company is that? I pay almost £700 to AXA.

Nicole85

Manxman_in_exile wrote: »

Having said that - are you sure your client is a surgeon? As others have suggested you should check this. I used to work in the NHS and, personally, I find it hard to believe that a surgeon would undergo the treatment you describe without satisfying themselves 100% that it was generally OK and in particular OK for themselves.

I'm 99% sure that I'm being scammed by this individual, I think she only chose that profession to try and intimidate me.

Nicole85

arcon5 wrote: »

Well her claim is flawed for starters...

You don't add the loss of earnings to the claim, you ask the judge to award it if your the winning party at the hearing. So this 1200 quid claim should instead be 450.

Secondly there are limits as to what expenses can be awarded. I believe the current limit is £50.

I think she must have realised that she can't claim for damages to her emotions and that's why she came up with those strange figures. The fact that the figures that she has provided do not even add up to the £1200 figure makes it even more flawed, my guess is that she was hoping I'd get scared and pay up as soon as receiving the court letters.

ThumbRemote

Nicole85 wrote: »

£38.50!!!! What company is that? I pay almost £700 to AXA.

So, as others have asked, why aren't you getting some value from that and passing the claim on to them?

Nicole85

ThumbRemote wrote: »

So, as others have asked, why aren't you getting some value from that and passing the claim on to them?

Because I know that I'm being scammed and I'm going to put an stop to this behaviour instead of encouraging it by getting my insurance involved.

Manxman_in_exile

Nicole85 wrote: »

Because I know that I'm being scammed and I'm going to put an stop to this behaviour instead of encouraging it by getting my insurance involved.

Well I'm sorry - but I think you are being daft.


You're paying £700 pa to AXA for some sort of public liability/indemnity insurance but you don't want to use them?


I don't know the T&Cs of your policy but you need to realise that you may have broken them by not passing the claim onto AXA immediately. That's what you are paying them for, and they don't want you mucking up any defence by trying to deal with it yourself! They possibly could cancel your insurance - and you really don't want that.


You are not the "Scam Police". If it's a scam your insurers will sort that out better than you can. They deal with scammers all the time.


I think other posters on this thread work in the insurance industry (dacouch?). Hopefully they will come back with more advice. I would pass the claim onto my insurers - but I'm not sure how far down this process you are and whether that may be a problem.


If you've got insurance and end up with a court claim - always pass it onto your insurers!