Car show public liab insurance for displaying own car?
Discussion
The organisers are insistent that anyone displaying their vehicle needs to have in place £2m of public liab cover and need a copy of the certificate. My dads insurers say he's not covered, and aren't able to add it having never heard of a requirement to cover it.
Any ideas who could provide cover or a way around it? (Willys jeep)
Any ideas who could provide cover or a way around it? (Willys jeep)
TooMany2cvs said:
I'm very, VERY surprised the organisers don't have PL insurance in place that covers all those who are officially displaying, as part of the entry fee.
If the organisers are charging exhibitors to display (and be their show) they should get their act together and get their own insurance in place. Mind you, they'll probably then hit all exhibitors with a risk assessment form which must be completed.Dunk130TC said:
They're saying they've got PL cover but it won't extend to exhibits which need to be cover by the exhibitors?
They need to change their insurers then - or have a proper discussion with them and distinguish between members of the public displaying vehicles and commercial exhibitors running stands & sales displays.jagracer said:
Which show is this or is it all shows? I've recently bought a classic yank that I'd like to take to a few shows this year but if organisers start all this I wont bother.
It's still only a few of them, and those that are on council-owned property seem to be the worst for this "requirement".It's for a local steam rally, no cost to display but all exhibitors need to prove they've £2m cover. Not sue if they're over zealous or its normal? If it's normal, then who do we insure through? My dad who is chuffed to nuts having got the only vehicle he has ever wanted, now seemingly can't take it shows without cover.
You could join a local car club. We have a small club and insurance that we source through, I think, an FBHVC-affiliated company, and that covers club members displaying their vehicles.
I remember various application forms asking about PL insurance a few years ago, but I can't say I've seen it recently (or perhaps just not noticed). I do recall some insisting that vehicles must be road-legal, i.e. have suitable insurance for being on the road.
I remember various application forms asking about PL insurance a few years ago, but I can't say I've seen it recently (or perhaps just not noticed). I do recall some insisting that vehicles must be road-legal, i.e. have suitable insurance for being on the road.
Dunk130TC said:
It's for a local steam rally, no cost to display but all exhibitors need to prove they've £2m cover. Not sue if they're over zealous or its normal? If it's normal, then who do we insure through? My dad who is chuffed to nuts having got the only vehicle he has ever wanted, now seemingly can't take it shows without cover.
I can understand PL for the steam powered stuff - boilers exploding and the like - but not for cars.Any accidents caused by a moving motor vehicle would be covered by the owners normal insurance.
I'm at a loss to see how a static display would cause any harm. It's just a parked car for Gods sake!
55palfers said:
I'm at a loss to see how a static display would cause any harm. It's just a parked car for Gods sake!
I wondered this, apparently there was talk of people tripping over the front of my car and impaling themselves on something, or ripping their femoral artery by catching it on my door handle. In short, the usual "blame culture" rubbish. I can't see how it is different to some idiot passer-by doing the same in a supermarket car park.droopsnoot said:
I wondered this, apparently there was talk of people tripping over the front of my car and impaling themselves on something, or ripping their femoral artery by catching it on my door handle. In short, the usual "blame culture" rubbish. I can't see how it is different to some idiot passer-by doing the same in a supermarket car park.
Supermarkets carry PL Insurance to cover this....Seriously though, this has cropped up before and as indicated previously, most car clubs have this cover when the group are attending shows (The TVRCC do for example). If you are a private individual attending a local show for the benefit of the organisers, they should be willing to include such attendees on their own PL cover or limit the entrys to 'clubs' only.
Car clubs will need this cover as any activity they organise will require it. It also covers mishaps other than caused by cars i.e. tripping over guy ropes of marquees or flag poles. If asked for it as a condition of entering a show as an individual rather than as part of a car club display, I'd ask why the organiser's insurance doesn't include it, it should do.
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