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  • FIRST POST
    • NickB2017
    • By NickB2017 10th Nov 18, 12:06 PM
    • 8Posts
    • 1Thanks
    NickB2017
    What terms of indemnity insurance prevents you from taking it on if you've spoken to the council?
    • #1
    • 10th Nov 18, 12:06 PM
    What terms of indemnity insurance prevents you from taking it on if you've spoken to the council? 10th Nov 18 at 12:06 PM
    test test test
    Last edited by NickB2017; 15-11-2018 at 7:09 PM.
Page 1
    • davidmcn
    • By davidmcn 10th Nov 18, 12:21 PM
    • 9,732 Posts
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    davidmcn
    • #2
    • 10th Nov 18, 12:21 PM
    • #2
    • 10th Nov 18, 12:21 PM
    [the wording is near identical to this policy wording: https://www.groundsure.com/wp-content/uploads/2015/10/Groundsure-Environmental-Insurance-Policy-Summary-Oct2015.pdf ]

    I can't see how this would apply to me before I signed the policy. Or perhaps it does?

    Is there other wording in other policies that perhaps explicitly refers to the policyholder not contacting the council in x months prior to the policy being written?
    Originally posted by NickB2017
    From the policy you've linked to, see exemption 1(d):

    1. Claims arising from the following are excluded:

    d. any communication with an enforcing authority, before the policy commencement date, not previously approved by the underwriters
    It may also have been a question in the proposal form.
    • davidmcn
    • By davidmcn 10th Nov 18, 12:30 PM
    • 9,732 Posts
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    davidmcn
    • #3
    • 10th Nov 18, 12:30 PM
    • #3
    • 10th Nov 18, 12:30 PM
    There is also no proposal form to my knowledge. The intention was to simply add us as the insured to a block bordereaux policy. We wouldn't even be issued an individual indemnity policy.
    Originally posted by NickB2017
    Well, I can't advise you about the conditions of the policy if I can't see them...but I'd be surprised if prior contact with the council wasn't somehow covered. The wording you've quoted probably does anyway, even if it doesn't explicitly say "before or after the policy date".
    • G_M
    • By G_M 10th Nov 18, 12:42 PM
    • 46,597 Posts
    • 56,601 Thanks
    G_M
    • #4
    • 10th Nov 18, 12:42 PM
    • #4
    • 10th Nov 18, 12:42 PM
    ....
    I can't see how this would NOT apply to me before I signed the policy. Or perhapsI'm sure it does?
    Originally posted by NickB2017
    Common sense really. A bit as if you went to your GP with a problem, he refered you to a oncologist who diagnosed cancer.


    Then you took out a private health insurance policy to cover cancer.
    Last edited by G_M; 10-11-2018 at 12:58 PM.
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