What would you do if you saw a stranger walking on your land with a dog on a lead?
BTW, I from the city.
MOD: Off-topic posts removed. Bit coin is a long way from insurance so leave it there. Thanks.
A potential problem like a poaching Dr blasting himself with his own shotgun and then trying to sue me for leaving a rock lying around?
'So you admit you left a rock lying around'
'Well, yes'
'So you admit it was your fault?'
'Not at all. My property is designated a SAC, I have no choice but to leave the rocks lying around, their undersides being protected habitat for worms, slugs and slaters. The liable party are Parks & Wildlife.'
‘Case dismissed…’
I subscribe to Bass Reeves interpretation of duty of care, in there being none for trespassers. I am not in the habit of digging pits with sharpened bamboo stakes at the bottom and then concealing it. When up on the roof fixing slates of a summer, it would be very normal for several groups of people to emerge from the woods and wander by, mostly tourists. An enterprising person even wrote a local tourist guide, complete with hand drawn maps, which specifically mentioned the nice walks to be had on my property. Over the years, there have probably been a couple thousand people trespassing on my property, and of course some bring their dogs. I even found a note inside an empty champagne bottle, mostly concealed in a dry stone wall in the yard of the house, thanking me for the lovely spot where they enjoyed their lunch that afternoon. I suspect the contents of the bottle might have provided the inspiration for the odd gesture.
All and sundry have been coming and going on my property for decades, and there has been no legal comeback.
As for my tenant. Our agreement includes a clause that he have liability insurance and be liable for his own actions. You can fly a kite about him washing his hands, but he's signed a contract and I'd hold him to it if it came to being needed.
I never said I never insured the house. I stopped paying insurance.
I suspect it's more a case of you not wanting to believe me.
That 0.053 BTC cost a whopping €20.
Here's me mentioning benefitting from a fork in 2017: https://www.boards.ie/discussion/comment/105147688/#Comment_105147688
in the circumstances a good idea as if something goes wrong while one of you using the house your all protected..
Yep, something like that. Mam's solicitor insisted that the house had to be insured irrespective of the fact that her childer (myself and siblings - one is the executor) are the beneficiaries.
Mam and Dad (before he died) bought a few houses in the past. Over the years me (I'm the youngest) my siblings would spend many a weekend/Summer holidays painting and decorating same.
Grabbing at nothing - I’m only saying what they told me.
I see you are grabbing straws now. Recreational users normally ( I use it advisablly when dealing with the Irish legal profession) but you would need to leave the grass harrow accross a way marked trail for that to come into play
Ordered a few "No Dags allowed" signs in anticipation of the New Year influx of dickheads.
This was the point I was making in regard to the Harrow left in the grass. I’ve talked to a friend who is a solicitor and also my insurance rep and they both said there may be liability in such an instance.
The reason the premium is do high is that no engineer will give a certificate that there is no risk here. He cannot certify what he cannot see. That adds risk
Well knew the bit about claims as have had a few here over the years ,the last one being about 8 years ago for a 5 figure sum (don't ask !) and it never affected my premium in the slightest .Only thing was to declare it when pricing around each year as they usually ask if you had any claims in the previous x years plus any open ones .
More wondering why the premium above was so high (well in my view ).Its been a while since I took out insurance for the first time .Normal dwelling house cover is 300/500 euro I would think based on what I pay here plus a few other people I know .Its (value for insurance purposes )based on rebuilding costs plus contents as a percentage .
I expect there be a liability between the executor of your moms intentions and the solicitor in case anything went wrong to have insurance...
Hmmm, never insured the house and instead spent the money loading up on Bitcoin in 2016? Why 2016? 2017 was when it came to everyones attention, before that it was just a way for geeks to compare horsepower on their pcs or of buying drugs and child porn online.
EDIT: Actually nevermind putting the insurance money into crypto in 2016, emptying the bank account to do so?
There is not a NCB related to property it's all totally risk based. It a common mistake made on making a claim. It similar to a mistake made that elder people make about health insurance. In house insurance people think that if you make a claim that your premium will rise after a claim. In the case of HI people think that because of there health risk they will not get similar cover if they change providers.
In the case above its all risk based, ideally you need a risk analyst to access the risk. In the case of houses this is not always possible.
That sounds seriously expensive to be honest .
Houses here are c. 300/350 a year to insure .
Is there a no claims bonus to be built up for property same as motor insurance ?
My late Mother never had the family home insured. I only found out after she died and her solicitor insisted that we get it insured - something to do with probate until it's sold. I was given the task (by my siblings) of getting insurance quotes which proved to be very difficult as most companies wouldn't quote because the house hadn't been insured in the previous five years. Our own insurance broker eventually got it sorted for €1100.00. The premium came down last year and again this year to around €900. My Sister lives in the house and only for that I doubt we would have got any cover.
But if you are the landowner you also have potential for problems .Easy enough for a tenant to wash his hands of responsibility in certain cases .Relying on the tenant and his insurance to totally absolve you of any liability is not exactly sharp but then again I suppose you must have saved loads of money over the years .
An unoccupied house is a slightly different proposition as I initially understood you were living in the house .Probably not really worth insuring if idle 20 plus years .
You misunderstand, I own the property and lease the grazing to someone else. It's up to them to carry insurance to cover their activities. The house on the property was insured for years, but then the insurance broker said the insurers would no longer insure it for 350 punts due to it being unattended most of the time and wanted more than double, so that was the end of the insuring it. 20 uears later and have saved close to €18,000.
I don't have a mortgage on my house, so if it burnt to the ground I could move to my other property and freeze in winter. A 0.6% risk is one I'll take.
Not for this reason, but I am planning to sell up and move to NZ, where coincidentally, there is currently no CGT, or several other taxes Ireland has. It's not so much a sell at price as a not while I am living here price.
They could possibly be still classified as recreational users even if you did not explicitly give them permission. I am not aware of any examples.
From the Act:
“recreational user” means an entrant who, with or without the occupier's permission or at the occupier's implied invitation, is present on premises without a charge (other than a reasonable charge in respect of the cost of providing vehicle parking facilities) being imposed for the purpose of engaging in a recreational activity
I would think that that would a scenario where having signs up might work in your favour. You can always exclude your duty of care towards the visitor category (but not absolutely - you basically can just downgrade it)
If I was U30 again I would seriously consider putting health insurance into an investment account, especially if your family has a fairly good health history.
All insurance companies take a margin However in the case of house insurance the financial risk outweighs the premium as a serious incident is a life changing experience. I know of an incident about 20 miles away where a shed of straw in went up in flames, it did serious damage to the house some machinery parked adjacent to it as well as a milking parlour. Total cost will probably be in the 3-500k mark.
I myself have had a roof go off a round barn hay shed and a garage 40+ years ago. A person that my wife knows had a house go on fire. There was an incident locally where a women who likes her GnT's had a serious house fire but no insurance. There was a fundraiser, I deliberately avoided and I go to most fundraisers. I actually went to the Tractor run that was twenty miles away because even though he had insurance I know well he will struggle to get full costs back from.the insurance company.
Thought there were 3 different types alright but couldn't remember what they were .
Wonder if shooters are trespassers or recreational users ?
Suppose it depends on whether you gave them permission or not .
Three categories under the statute:
1) Visitor
2) Recreational user
3) Trespasser
The second category does not strictly have to have owners permission and has a slightly higher duty of care than trespasser. The people coming to visit the monument in your case would most likely be in category 2. Note that, technically speaking, permission can be implied - even for what you might otherwise consider to be a trespasser.
All the above pertains only to the physical state of the property. The statute replaced old common law for examples where that is the case. If the matter at hand is related to an activity for example, it does not come under the statute and is still under the old common law.
Edit: Just on Bass's point about age, as far as I am aware age, age has nothing to do with the statute. It may affect how the statute is interpreted or applied but it is not in the statute itself.
I think it Guests, uninvited guests and recreational users who are treated as uninvited guests. U16's are excluded from the he legislation
I am talking about liability for injury... i actually do not know but its my gut feeling...
Not really .Trespassers have a very very limited cover .Really as long as you don't intentionally harm them then its on their own head .Someone mentioned 3 categories earlier .Think thats trespassers ,invited people and then children under (?) .
A gate will hardly stop a trespasser .
I think private property with a gate means no claim will come...
Never mentioned "your " dog but anyways .
You graze sheep on leased land and have no insurance ? Smart move .Or perhaps you meant that you just don't bother with house insurance but have public liability etc etc on the farming enterprise ?
Actually why would you bother with sheep if you have made all that money with bitcoin ? Know they would be gone here in a flash if I ever strike it big with the 6 numbers .
Not really as your duty of care to trespassers is as Bass Reeves stated earlier in the thread .
Nah they wouldn't go near that at all .Remember as a kid heading down with a spade to look for "buried treasure " .
Still looking .
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