Fridge freezer insurance , don't admit you did it !

http://www.telegraph.co.uk/finance/p...r-honesty.html

On Friday, 16 May 2014 10:42:54 UTC+1, Mrcheerful wrote:
http://www.telegraph.co.uk/finance/p...r-honesty.html


At last undeniable proof that home contents insurance covers cyclist for third party liability.
Dave is going to be very upset.
How are you going to drive with that gaping hole in your foot?

On 18/05/2014 09:03, Simon Jester wrote:
On Friday, 16 May 2014 10:42:54 UTC+1, Mrcheerful wrote:
http://www.telegraph.co.uk/finance/p...r-honesty.html


At last undeniable proof that home contents insurance covers cyclist for third party liability.
Dave is going to be very upset.
How are you going to drive with that gaping hole in your foot?


And those who do not have such a policy?

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On Sunday, 18 May 2014 09:16:24 UTC+1, Tony Dragon wrote:
On 18/05/2014 09:03, Simon Jester wrote:





At last undeniable proof that home contents insurance covers cyclist for third party liability.
Dave is going to be very upset.
How are you going to drive with that gaping hole in your foot?



And those who do not have such a policy?


Not the point.
We have been told that home contents insurance does not cover cyclists for liability.
This proves otherwise.

On Sun, 18 May 2014 02:32:15 -0700 (PDT), Simon Jester
wrote:

On Sunday, 18 May 2014 09:16:24 UTC+1, Tony Dragon wrote:
On 18/05/2014 09:03, Simon Jester wrote:





At last undeniable proof that home contents insurance covers cyclist for third party liability.
Dave is going to be very upset.
How are you going to drive with that gaping hole in your foot?



And those who do not have such a policy?


Not the point.
We have been told that home contents insurance does not cover cyclists for liability.
This proves otherwise.

Only so long as the cyclist doesn't admit liability. This seems a bit
idiotic to me.

Leave a note on a car windscreen saying that you have accidentally
scraped the car and you are not covered.

Scarper having scraped a car, and you are covered.

On Sunday, 18 May 2014 10:42:40 UTC+1, Bertie Wooster wrote:


Only so long as the cyclist doesn't admit liability. This seems a bit
idiotic to me.


Read your motor insurance policy.
You should not admit liability.


Leave a note on a car windscreen saying that you have accidentally
scraped the car and you are not covered.


Leave your details, let the insurance companies sort it out.

On Sun, 18 May 2014 03:14:17 -0700 (PDT), Simon Jester wrote:
On Sunday, 18 May 2014 10:42:40 UTC+1, Bertie Wooster wrote:

Only so long as the cyclist doesn't admit liability. This seems a
bit idiotic to me.

Read your motor insurance policy.
You should not admit liability.

It isn't a motor insurance policy. How will reading your motor
insurance policy (if you have one) assist with understanding the terms
of your home contents insurance policy? Or did you just mean to say
"contents"?

As it happens, my contents insurance does have a similar condition -
section C.1.2 covers my personal liabilities ("any claim for damages
which you may legally have to pay") but the general terms includes
"you must not admit responsibility..."

regards, Ian SMith
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On Sunday, 18 May 2014 13:47:47 UTC+1, Ian Smith wrote:
It isn't a motor insurance policy. How will reading your motor
insurance policy (if you have one)

And immediately lost the argument.

Childish.

On Sun, 18 May 2014 07:02:22 -0700 (PDT)
Simon Jester wrote:

On Sunday, 18 May 2014 13:47:47 UTC+1, Ian Smith wrote:
It isn't a motor insurance policy. How will reading your motor
insurance policy (if you have one)

And immediately lost the argument.

Childish.

Ironic much?

On 18/05/2014 11:32, Simon Jester wrote:
On Sunday, 18 May 2014 09:16:24 UTC+1, Tony Dragon wrote:
On 18/05/2014 09:03, Simon Jester wrote:





At last undeniable proof that home contents insurance covers cyclist for third party liability.
Dave is going to be very upset.
How are you going to drive with that gaping hole in your foot?



And those who do not have such a policy?


Not the point.
We have been told that home contents insurance does not cover cyclists for liability.
This proves otherwise.

Does it?

Were the insurance company misreported when they said the cyclist wasn't
covered and that they would make an ex-gratia payment?