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public liability insurance

  • 05-10-2018 12:07pm
    #1
    Loves_lorries
    Site Banned Posts: 272 ✭✭


    can someone confirm for me if public liability comes with home insurance or if its extra charge ? , i dont need to request it when switching to a different insurer .

    dont want the postman having a fall and claiming .


Comments

  • #2
    Eggs For Dinner
    Registered Users, Registered Users 2 Posts: 3,053 ✭✭✭Eggs For Dinner


    Loves_lorries wrote: »
    can someone confirm for me if public liability comes with home insurance or if its extra charge ? , i dont need to request it when switching to a different insurer .

    dont want the postman having a fall and claiming .

    Most comprehensive household policies cover liability to 3rd parties arising from the domestic occupation of the house. In other words, you have public liability as long as there is no business activity going on in the property. Most insurers have policy booklets online and it will be under the heading of Liability to The Public, Liability To Third Parties, or something similar


  • #3
    Claw Hammer
    Registered Users, Registered Users 2 Posts: 6,548 ✭✭✭Claw Hammer


    On a household policy there will also be personal insurance. That is disabled in the case of buy to let. you should get a good insurance broker to negotiate a policy for you.


  • #4
    Loves_lorries
    Site Banned Posts: 272 ✭✭Loves_lorries


    Eggs For Dinner wrote: »
    Most comprehensive household policies cover liability to 3rd parties arising from the domestic occupation of the house. In other words, you have public liability as long as there is no business activity going on in the property. Most insurers have policy booklets online and it will be under the heading of Liability to The Public, Liability To Third Parties, or something similar

    OK so if my clumsy cousin "slippin Jimmy" hits his head off the garage door, I'm covered?


  • #5
    elperello
    Registered Users, Registered Users 2 Posts: 16,106 ✭✭✭✭elperello


    Loves_lorries wrote: »
    OK so if my clumsy cousin "slippin Jimmy" hits his head off the garage door, I'm covered?

    Have you read your policy?


  • #6
    NUTLEY BOY
    Registered Users, Registered Users 2 Posts: 2,345 ✭✭✭NUTLEY BOY


    Loves_lorries wrote: »
    OK so if my clumsy cousin "slippin Jimmy" hits his head off the garage door, I'm covered?

    Yes, but within the terms of the insurance contract !


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  • #7
    Eggs For Dinner
    Registered Users, Registered Users 2 Posts: 3,053 ✭✭✭Eggs For Dinner


    Loves_lorries wrote:
    OK so if my clumsy cousin "slippin Jimmy" hits his head off the garage door, I'm covered?


    Cover normally excludes family members resident in the home. Remember, this is a public liability cover, not a pot of money to cover injuries. Anyone claiming needs to prove that your property, or your occupancy of the property, caused the incident. If 'slippin Jimmy' causes himself harm, that's not your responsibility. (not that this ever stopped a claim being lodged)


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