Liability to tresspassers?

[Timmy40]

I was chatting to an insurer the other day about getting some machinery insured, all he wanted to talk about though was liability insurance if someone was injured on our land. Thing is there are no footpaths across our land and it's fenced, so anyone on our land shouldn't be there they are trespassing. Oh no not the point said Mr Insurer, if someone is on your land for whatever reason they could sue you for any injury they suffered.

Is that right? Or are insurers just trying to scare people into taking out uncessary insurance?

[superlightr]

yes it is true. You still owe a duty of care even to tresspassers.

ie young scallys go scrumping apples, one falls down rotten man hole cover and breaks his back.

[lbc]

Probably the same reason you can't wire all your door handles to the mains supply or use razor wire to stop burglars.

[AA999]

Wasn't there a news story a while back where by some scrote fell through a roof whilst trying to steal items/products from a business?
I think he was allowed to go to court to sue for 'damages' such as a broken leg or whatever it was against the business/property owner.

[R1 Indy]

AA999 said:

Wasn't there a news story a while back where by some scrote fell through a roof whilst trying to steal items/products from a business?
I think he was allowed to go to court to sue for 'damages' such as a broken leg or whatever it was against the business/property owner.

That was a school was it not? Stepped through a glass skylight

[Timmy40]

So some berk comes poaching on my land then rips his scrotum on the top string of barbed wire on the stock fence and he can sue me? Or worse is poaching on my land falls over and shoots a hole in his mate and again I get sued??

[HantsRat]

Timmy40 said:

So some berk comes poaching on my land then rips his scrotum on the top string of barbed wire on the stock fence and he can sue me? Or worse is poaching on my land falls over and shoots a hole in his mate and again I get sued??

Yes

[Timmy40]

HantsRat said:

Timmy40 said:

So some berk comes poaching on my land then rips his scrotum on the top string of barbed wire on the stock fence and he can sue me? Or worse is poaching on my land falls over and shoots a hole in his mate and again I get sued??

Yes

When exactly did this country disappear down the toilet of insanity and abandon any notion of common sense?

[superlightr]

HantsRat said:

Timmy40 said:

So some berk comes poaching on my land then rips his scrotum on the top string of barbed wire on the stock fence and he can sue me? Or worse is poaching on my land falls over and shoots a hole in his mate and again I get sued??

Yes

if they would be successful in court to those specific examples is open to argument.

I would doubt the 2nd as it does not involve your property or a defect in your property.

[HantsRat]

Timmy40 said:

When exactly did this country disappear down the toilet of insanity and abandon any notion of common sense?

This has always been the case. I would suggest you write to your MP if you don't agree.

[Timmy40]

HantsRat said:

Timmy40 said:

When exactly did this country disappear down the toilet of insanity and abandon any notion of common sense?

This has always been the case. I would suggest you write to your MP if you don't agree.

Oh yes because that will make a huge difference.

[Timmy40]

kapiteinlangzaam said:

Timmy40 said:

HantsRat said:

Timmy40 said:

When exactly did this country disappear down the toilet of insanity and abandon any notion of common sense?

This has always been the case. I would suggest you write to your MP if you don't agree.

Oh yes because that will make a huge difference.

What do you want people to tell you? Theres no reason to roll eyes at people on PH, its not their (our) doing.

As far as liability insurance, im sure its been this way for at least the past 20-30 years. Hardly a new thing.

I'm rolling my eyes at the sarcastic and unhelpful comment about not liking it and writing to my MP. I didn't do that with any other comments. Because they were actually helpful not piss taking. OK?

[HantsRat]

Timmy40 said:

I'm rolling my eyes at the sarcastic and unhelpful comment about not liking it and writing to my MP. I didn't do that with any other comments. Because they were actually helpful not piss taking. OK?

You commented about making changes with how the country is run. To make changes, you need to start by writing to your MP. It was a serious answer.

[PAULJ5555]

Insurance to protect the criminal trying to steel the item that you are trying to insure against theft.

Funny old world.

[V8forweekends]

Timmy40 said:

When exactly did this country disappear down the toilet of insanity and abandon any notion of common sense?

When we started letting the bellends of laywers run everything. Look how many MPS are former lawyers....

[TwigtheWonderkid]

PAULJ5555 said:

Insurance to protect the criminal trying to steel the item that you are trying to insure against theft.

Funny old world.

It's not insurance to protect the criminal, it's insurance to protect you. The law says you may be liable, so there's insurance to protect you. It isn't compulsory and you don't have to buy it.

Also, what about non crims coming onto your property. Postman, delivery driver, invited guests, or someone who has just got the wrong address by mistake?

[9mm]

Since I have gates and high walls or railings around my property, no-one is going to be there by accident. If they don't have my phone number, they don't get in other than by appointment. I'm extremely relaxed about someone injuring themselves if they do make an unauthorised entry and suspect I would rather enjoy my day in court. I'm well insured and can't remember the last time I saw a householder convicted for such an occurrence.

[superlightr]

V8forweekends said:

When we started letting the bellends of laywers run everything. Look how many MPS are former lawyers....

ask that question on PH. A lot of answers in SP&L come from lawyers. Be alot quieter on here if all the bellends left....

Edited by superlightr on Wednesday 8th July 13:12

[Devil2575]

TwigtheWonderkid said:

PAULJ5555 said:

Insurance to protect the criminal trying to steel the item that you are trying to insure against theft.

Funny old world.

It's not insurance to protect the criminal, it's insurance to protect you. The law says you may be liable, so there's insurance to protect you. It isn't compulsory and you don't have to buy it.

Also, what about non crims coming onto your property. Postman, delivery driver, invited guests, or someone who has just got the wrong address by mistake?

Indeed. Has anyone here ever strayed onto private property by mistake?

I've also done it deliberately but for good reasons.

I was once verbally acosted by a farmer as I was on his land and had deviated from the footpath. He didn't seem to think that the as the path went through his farm yard that was about 6" deep in cow st was relevant to why I'd tried to find an alternative route

[superlightr]

Devil2575 said:

TwigtheWonderkid said:

PAULJ5555 said:

Insurance to protect the criminal trying to steel the item that you are trying to insure against theft.

Funny old world.

It's not insurance to protect the criminal, it's insurance to protect you. The law says you may be liable, so there's insurance to protect you. It isn't compulsory and you don't have to buy it.

Also, what about non crims coming onto your property. Postman, delivery driver, invited guests, or someone who has just got the wrong address by mistake?

Indeed. Has anyone here ever strayed onto private property by mistake?

I've also done it deliberately but for good reasons.

I was once verbally acosted by a farmer as I was on his land and had deviated from the footpath. He didn't seem to think that the as the path went through his farm yard that was about 6" deep in cow st was relevant to why I'd tried to find an alternative route

wasnt Hadrian wall walk was it? had the same a few years ago plus 2x stty farm dogs herding me !