05-06-2024, 03:02 PM
(This post was last modified: 05-06-2024, 03:09 PM by RH Insurance.)
With regard to the comments re Public Liability cover, there is often confusion between public liability vs third party liability.
Motor insurance policies do not give Public Liability cover, which is in line with the standard approach throughout the motor insurance industry.
Comprehensive motor insurance policies do give third party liability cover which provides cover for the policyholder whilst on private property. This could be pulling onto your drive, driving in a supermarket car park, or at a show/event - with the exception in most cases where the vehicle is airside or on a motor racing circuit.
This means that, in the event you are driving your vehicle and you collide with a third party (that could be property, people, or another vehicle), then you have cover in place to avoid paying for the resultant damage out of your own pocket.
In addition, if your vehicle was parked on a hill and the handbrake failed causing it to roll into another person's vehicle, this is also an insurable event.
Section 1 of RH's policy wording does provide cover for 'liability to others'. For example, if the insured's actions had led to someone tripping over their stationary vehicle whilst attending an event.
I can therefore confirm, on behalf of RH, that you are covered for attending events in terms of third party liability to others.
Event organisers should have public liability cover in place for themselves as potentially an accident at the event (trip or fall) could render them liable for resultant injury or damage claims.
I trust this clarifies.
With regard to RH's approach to modified vintage/classic vehicles - I can confirm:
The main reason we ask for details of modifications is so that we can ensure your vehicle is returned to the same condition it was in (including any aftermarket parts) before an accident.
The vast majority of modifications won't affect premium. For example, uprated lights or a standard engine/carb swap, etc.
If you have replaced the standard engine with a more modern and/or higher performance engine then this will mostly likely attract a premium increase.
Each case is assessed on its own merits.
If anyone has a specific example they would like to discuss, please feel free to email me direct - emma.airey@rhspecialistinsurance.co.uk - I am always delighted to hear from you and provide assistance.
Emma
Motor insurance policies do not give Public Liability cover, which is in line with the standard approach throughout the motor insurance industry.
Comprehensive motor insurance policies do give third party liability cover which provides cover for the policyholder whilst on private property. This could be pulling onto your drive, driving in a supermarket car park, or at a show/event - with the exception in most cases where the vehicle is airside or on a motor racing circuit.
This means that, in the event you are driving your vehicle and you collide with a third party (that could be property, people, or another vehicle), then you have cover in place to avoid paying for the resultant damage out of your own pocket.
In addition, if your vehicle was parked on a hill and the handbrake failed causing it to roll into another person's vehicle, this is also an insurable event.
Section 1 of RH's policy wording does provide cover for 'liability to others'. For example, if the insured's actions had led to someone tripping over their stationary vehicle whilst attending an event.
I can therefore confirm, on behalf of RH, that you are covered for attending events in terms of third party liability to others.
Event organisers should have public liability cover in place for themselves as potentially an accident at the event (trip or fall) could render them liable for resultant injury or damage claims.
I trust this clarifies.
With regard to RH's approach to modified vintage/classic vehicles - I can confirm:
The main reason we ask for details of modifications is so that we can ensure your vehicle is returned to the same condition it was in (including any aftermarket parts) before an accident.
The vast majority of modifications won't affect premium. For example, uprated lights or a standard engine/carb swap, etc.
If you have replaced the standard engine with a more modern and/or higher performance engine then this will mostly likely attract a premium increase.
Each case is assessed on its own merits.
If anyone has a specific example they would like to discuss, please feel free to email me direct - emma.airey@rhspecialistinsurance.co.uk - I am always delighted to hear from you and provide assistance.
Emma
RH Specialist vehicle insurance