Insurance - What Is Public Liability And Why Do We Want It?
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Posted On :
Dec-21-2011
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Article Word Count :
470
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Essentially the most important though overlooked aspects of caravan insurance coverage is the necessity to have public liability cover.
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Essentially the most important though overlooked aspects of caravan insurance coverage is the necessity to have public liability cover. This can be a part of most insurance packages for a limit as high as ?2 million for an incident involving your caravan which you simply are deemed responsible for. This cover is especially important given the current climate where "suing" is almost second nature with the accident firms that exist with their "no win, no fee" adverts. You might also seen the adverts on television and it is a booming business, so that your own protection is definitely a good idea. The insurance policy which you have will cover any amounts you have to legally pay for things such as accidental bodily injury, accidental loss or damage to property that arises from your ownership from the caravan.
As an example, if your caravan was to cause harm on a website to another caravan, this cover is supplied for exactly this kind of incident. For static caravans the site that you're on will generally request which you hold this protection for at least ?Two million and will ask to check out a replica of your insurance certificate to prove it and will bear this on file for their records. This information is normally stated on your own insurance schedule and a full explanation of the cover is within your policy booklet. It's also very important that you can keep these things with you if you're touring around or when you take presctiption website with your static van.
Some insurers will automatically extend to add European cover, which is generally the Uk (England, Scotland, Wales, Northern Ireland, the Isle of Man plus the Channel Islands), the European Union, Norway & Switzerland, and also the public liability, even though this is not always the truth. The general public liability reaches these geographical limits but it is definitely best to look at the cover in advance to make sure adequate protection. Another major thing to consider is usually that, despite many assumptions and misconceptions on the contrary, public liability on the streets is really covered by your car insurance and not by your caravan insurer. It is because your automobile insurance is a legitimate obligation and covers you for damage you induce to other motor vehicles, bodily injury to others etc, again, typical limits of 2 million or 5 million. Any damage caused for your caravan or contents, however, is protected. As an example when your van was damaged or scraped by another vehicle your insurer will give you specific cover for these eventualities. It must be declared, occasionally sometimes automobile insurance providers may incorrectly advise their clients which the caravan insurer must provide the public liability cover when towing, forgetting that there is no rule in law that makes insurance compulsory.
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Article Source :
http://www.articleseen.com/Article_Insurance - What Is Public Liability And Why Do We Want It?_122146.aspx
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Author Resource :
Accident Consult is dedicated to providing no win no fee claims for the victims of accidents and injuries all over the UK, with their network of nationwide solicitors
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Keywords :
no win no fee,
Category :
Business
:
Business
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