An act of God ??

iMax

Hearing about people's trips that may not happen & they will lose out because of insurance not covering an "Act Of God"...

I'm assuming that if they claim an "Act of God" that they would have to physically prove God's existance & that he/she fully intended for the incident to happen, (otherwise it would be an accident & covered).

What if the insured does not recognise a God ?

m@cc@

iMax wrote: »

Hearing about people's trips that may not happen & they will lose out because of insurance not covering an "Act Of God"...

I'm assuming that if they claim an "Act of God" that they would have to physically prove God's existance & that he/she fully intended for the incident to happen, (otherwise it would be an accident & covered).

What if the insured does not recognise a God ?

The term is not literal, it means events outside human control.

/thread.

iMax

m@cc@ wrote: »

The term is not literal, it means events outside human control.

/thread.

Events outside human control are what we insure though, no ?

WindSock

It does seem like a bit of an odd term to use in this day and age. But it does sound like it's very powerful and drastic. And not a dependable factor.

Ickle Magoo

It doesn't matter what the insured recognises - it's entirely dependant on the terms and conditions of the insurer that they agreed to when they took out the insurance policy.

aDeener

cmon this is AH we cant have such a sensible reply straight away. we need the usuals to come in and complain about such an "offensive" phrase....

m@cc@

iMax wrote: »

Events outside human control are what we insure though, no ?

You'll have discuss that with your insurance provider.

iMax

iMax wrote: »

Events outside human control are what we insure though, no ?

Nope.

Cherry_Cola

iMax wrote: »

Hearing about people's trips that may not happen & they will lose out because of insurance not covering an "Act Of God"...

I'm assuming that if they claim an "Act of God" that they would have to physically prove God's existance & that he/she fully intended for the incident to happen, (otherwise it would be an accident & covered).

What if the insured does not recognise a God ?

So, how much did ya lose??

Dravokivich

volcanos are fiery and explosive... why can't it be an "Act of Satan"?

Sinfonia

I think some companies use 'Act of Nature'

Nervous Wreck

"Act of God", as someone said, is not to be taken literally. "Act of Nature" would be more apt as it generally relates to things like hurricanes, volcanoes, earthquakes, plague of locusts etc etc etc.

Nervous Wreck

Sinfonia wrote: »

I think some companies use 'Act of Nature'

Nervous Wreck wrote: »

"Act of God", as someone said, is not to be taken literally. "Act of Nature" would be more apt as it generally relates to things like hurricanes, volcanoes, earthquakes, plague of locusts etc etc etc.

Aww, we posted that at the same time; I thought for a second that I'd come up with a new term in "Act of Nature". Way to dash my dreams Sinfonia!:pac:

iMax

Cherry_Cola wrote: »

So, how much did ya lose??

Nothing (yet)

Sinfonia wrote: »

I think some companies use 'Act of Nature'

That's what it should be termed as (but they should at least do a partial refund)

Thomas828

m@cc@ wrote: »

You'll have discuss that with your insurance provider.

What if your insurance provider is an atheist?

m@cc@

I like 'Act of God' as it in itself implies the impossibility of the predicting the event. Plus 'Acts of God' aren't always to do with nature.

consultech

"Everybody needs volcano insurance..."

http://thumbnails.hulu.com/16/455/79641_145x80_generated__lWo9+WUXKEevERKAGCDKFg.jpg

m@cc@

Thomas828 wrote: »

What if your insurance provider is an atheist?

What difference would that make? Read the second post again.

Joey the lips

The actual term is "force majour" and as noted it has no mention of god.


Force majeure (French for "superior force"), also known as cas fortuit (French) or casus fortuitus (Latin)[1], is a common clause in contracts which essentially frees both parties from liability or obligation when an extraordinary event or circumstance beyond the control of the parties, such as a war, strike, riot, crime, or an event described by the legal term "act of God" (e.g., flooding, earthquake, volcanic eruption), prevents one or both parties from fulfilling their obligations under the contract. However, force majeure is not intended to excuse negligence or other malfeasance of a party, as where non-performance is caused by the usual and natural consequences of external forces (e.g., predicted rain stops an outdoor event), or where the intervening circumstances are specifically contemplated.

As can be seen its normally associated with contracts and is a common one to use to get out of it.... As airlines can do.

iMax

iMax wrote: »

Hearing about people's trips that may not happen & they will lose out because of insurance not covering an "Act Of God"...

I'm assuming that if they claim an "Act of God" that they would have to physically prove God's existance & that he/she fully intended for the incident to happen, (otherwise it would be an accident & covered).

What if the insured does not recognise a God ?

Not the first time this idea has cropped up... If anyone remembers the Atheist Bus Adverts :cool:

http://www.telegraph.co.uk/news/newstopics/religion/4177717/Atheist-bus-adverts-could-lead-to-watchdog-ruling-on-Gods-existence.html

m@cc@

Joey the lips wrote: »

The actual term is "force majour" and as noted it has no mention of god.

'Force majour' refers to the clause, the event is still legally referred to as an 'Act of God'. The passage itself states as much.

dylano_k

Can an atheist claim on Act of God ?:rolleyes:

GLaDOS

Heard a radio presenter use it the other say, seemed a bit odd. Probably took it too literally

Mike 1972

Sounds like a load of bollix

I mean people expect their insurance policies to cover things like storm damage and flooding. Surely these can all be blamed on God too ?

What about medical insurance ? Surely the vast majority of illnesses and conditions can be attributable to God ?

Weather plays a part in a lot of vehicle accidents once again attributable to God

Even arson could be blamed on God if they catch the perpetrator and they claim "God made me do it" ?

If there actually is a God surely all insurance assessors are going to hell seeing as how he is bound to be p1$$€d off at being scapegoated for everything ?

And besides nobody ever thinks of blaming Allah !

Seloth

I'm suprised people are getting angry over the name.

Its the fact that you buy insurance to cover unexecpted events and then they try and not have to cover you....thatswhy you should be angry,not over terminology.

Act of Satan

Michaelrsh

It wasn't an act of god, it was merely probability!

orourkeda

iMax wrote: »

Events outside human control are what we insure though, no ?

Caused by humans is different than outside human control

PK2008

Well I think it quite obviously refers to the FACT that God is everywhere and controls everything and that even the slightest event is part of his holy masterplan. Duh!!!

Yay God!!

iMax

orourkeda wrote: »

Caused by humans is different than outside human control

If my waterpipes freeze & burst, I don't cause it, yet I'm insured for it.

Likewise, the food in my freezer, if it goes off because of a powercut, I get paid for it.

Both "acts of God" that I'm insured for...

(for clarity I should state that I don't believe in God)

iMax

Deleted User wrote: »

Not the first time this idea has cropped up... If anyone remembers the Atheist Bus Adverts :cool:

http://www.telegraph.co.uk/news/newstopics/religion/4177717/Atheist-bus-adverts-could-lead-to-watchdog-ruling-on-Gods-existence.html

Would LOVE to find out the outcome of that. Anyone know ?

Agricola

Ok so its obvious insurers cover minor and/or common acts of god, like burst pipes, storm damage, the odd 2 ft of water in your sitting room. Its the major acts of god which would end up costing them too much money, that they dont cover. Sorted.

Rothmans

It's the same in Tort law also. In many instances defendandt's cannot be held liable for 'Acts of God'

Fart

More like "an act of Mary Harneys' Arsehole".

aDeener

Mike 1972 wrote: »

Sounds like a load of bollix

I mean people expect their insurance policies to cover things like storm damage and flooding. Surely these can all be blamed on God too ?

What about medical insurance ? Surely the vast majority of illnesses and conditions can be attributable to God ?

Weather plays a part in a lot of vehicle accidents once again attributable to God

Even arson could be blamed on God if they catch the perpetrator and they claim "God made me do it" ?

If there actually is a God surely all insurance assessors are going to hell seeing as how he is bound to be p1$$€d off at being scapegoated for everything ?

And besides nobody ever thinks of blaming Allah !

Allah is the same God as the christian God

m@cc@

iMax wrote: »

If my waterpipes freeze & burst, I don't cause it, yet I'm insured for it.

Likewise, the food in my freezer, if it goes off because of a powercut, I get paid for it.

And how could you have controlled these events? It's not about whether you caused it, it's about whether you could have forseen and prevented it. What part of this are you not getting?!

iMax

m@cc@ wrote: »

And how could you have controlled these events? It's not about whether you caused it, it's about whether you could have forseen and prevented it. What part of this are you not getting?!

I couldn't have controlled them, that's the point. The same way I couldn't have controlled flight cancellations because of volcanic ash. I pay insurance & they get paid out on. The same should happen for those who paid insurance for travel etc & whose flights are cancelled/delayed. I don't think you're quite getting it.

recylingbin

If I set up my own religion, declare myself as God, can I basically do what I like?

m@cc@

iMax wrote: »

I couldn't have controlled them, that's the point. The same way I couldn't have controlled flight cancellations because of volcanic ash. I pay insurance & they get paid out on.

Because there is no clause exempting the insurance company from paying out. If your travel insurance contract doesn't have a clause exempting you, then they should pay out. If it does, you're owed nothing. Simple.

Terry

Ooh. Look at me. I'm so cool because I don't believe in God.
I'm also too cool to read forms that I sign and then complain when I find out that my insurance won't cover me.

Lesson: Read the form before signing. If it has an "act of God" clause, then don't sign it.

m@cc@

Terry wrote: »

Ooh. Look at me. I'm so cool because I don't believe in God.
I'm also too cool to read forms that I sign and then complain when I find out that my insurance won't cover me.

Lesson: Read the form before signing. If it has an "act of God" clause, then don't sign it.

Exactly. And as I said earlier, an 'Act of God' is more apt than 'Act of Nature' as it refers to more than natural disasters. Anyone who finds it offensive is an idiot, imo.

Dave!

Does anyone else think this may be related to all of those pedophile priests...?

Just a suggestion...

Dravokivich

recylingbin wrote: »

If I set up my own religion, declare myself as God, can I basically do what I like?

as long as you enjoy the freedom of being strapped down in a padded cell.

EllieB

Has anyone seen that movie with Billy Connelly, set in New Zealand or Austrailia.... he's a fisherman who's boat is destroyed in a storm.... His insurance company won't cover it, claiming its "An act of God".

So he successfully sues the catholic church.... as God has no earthly form and the catholic church are his earthly representitives!!

Can't remember the name of the film though, sorry.

Cookie_Monster

EllieB wrote: »

Has anyone seen that movie with Billy Connelly, set in New Zealand or Austrailia.... he's a fisherman who's boat is destroyed in a storm.... His insurance company won't cover it, claiming its "An act of God".

So he successfully sues the catholic church.... as God has no earthly form and the catholic church are his earthly representitives!!

Can't remember the name of the film though, sorry.

"The man who sued god"

funnily enough...

EllieB

Cookie_Monster wrote: »

"The man who sued god"

funnily enough...

Knew it'd be something obvious like that

CrazyRabbit

What about acts of The Master? Should they be covered by insurance as well?

Infraction insurance, ban insurance etc.