RH insurance premiums

[Andy Bennett]

I moved from RH to Hagerty because we failed to resolve the matter over Public Liability cover. RH said we don't need Public Liability and it should be provided by event organisers, but event organisers say that to bring our cars we must have Public Liability cover.

In this at least, RH are correct. Public Liability Insurance at an event is a matter for the organisers of that event. If they don't have it and say that it is a matter for the individual entrants and make you sign to that effect then they have passed their Public Liability responsibilities onto you. You might have control of your own actions but potentially you're taking on the responsibilities for the actions of others. Simple rule. If the organisers don't have Public Liability Insurance in place for their event, don't go. If you do go, it's no good complaining if it all goes wrong and you have to sell your house to meet a claim that should have been the liability of the organisers.

Steve

Steve, I tend to agree, but not going would make me tend to think there is no point in having my old cars. I don't like to go further than maybe thirty miles to an event so if I rule out the ones that say I must have public liability insurance, there isn't a lot left! And it's not just the little events saying we must have PLI, some big events are saying this. It seems to be an issue that needs sorting out.

Andrew: I know we have been over this before but it is 100% the organisers role to have public liability insurance.  I would question whether Haggerty offer this as a part of regular insurance.

You have previously said yourself that their wording is ambiguous and unclear regarding moderns etc. Their standard wording is that they offer 'third party liability insurance'. This isn't the same as public liability insurance, it is just a regular part of comprehensive insurance. To have public liability insurance an insurer would want to know what type of event/s you want insurance for. This is why each event has its own appropriate insurance. Is the insurer insuring you on a road race event where you are running on the ragged edge and risk spinning off and hitting a spectator or for sitting in a field on a deckchair with people wandering around? They would want to see your risk assessments and mitigations to protect the public. Without this knowledge they simply can't be offering you a do anything 'public liability insurance' as a standard part of your annual insurance.