|
Title: insurance Post by: david995 on December 04, 2014, 03:22:10 PM has anyone got any insurance company details for insurance whilst detecting ,the insurances offered seems to be just for organised digs and does not cover when out by yourself, its cover for the farmers if something happens to you whilst on there land for example getting trampled by a bull i need, the framers are concerned a detectorist could sue them if an accident happened
Title: Re: insurance Post by: handyman [Alan} on December 04, 2014, 03:31:28 PM NCMD
http://www.ncmd.co.uk/ (http://www.ncmd.co.uk/) FID fid.cs@virginmedia.com Title: Re: insurance Post by: david995 on December 04, 2014, 03:43:01 PM Hi alan thanks for that , but they don;t cover individuals out on there own i had spoken to hiscox directly to confirm that
Title: Re: insurance Post by: celticspikey on December 04, 2014, 04:46:20 PM Hi alan thanks for that , but they don;t cover individuals out on there own i had spoken to hiscox directly to confirm that Oooooh that's interest, we need to sort this out >:(Title: Re: insurance Post by: david995 on December 04, 2014, 05:10:24 PM yes but it could be that the person i spoke with did nt know what they were talking about , but also if you look on the ncmd site the info it gives in the insurance section only relates to clubs and businesses the fid seems to be little out of sorts at the momment so not sure what insurance is offered there
Title: Re: insurance Post by: win on December 04, 2014, 05:55:26 PM I just looked at the NCMD site and it says 'All members receive free civil liability insurance up to £10,000,000.... So can't be any more straighforward than that. No problem.
Title: Re: insurance Post by: Chef Geoff on December 04, 2014, 06:21:48 PM David NCMD and FID insurance is civil liability and doesn't cover injury to you only injury or damage to others as a result of your detecting ;)
Title: Re: insurance Post by: david995 on December 04, 2014, 06:31:06 PM yep thats what i mean , the farmer would not be covered but you would , so not much good to the farmer
Title: Re: insurance Post by: david995 on December 04, 2014, 06:35:17 PM iwhat the land owners are concerned about is if you get trampled by a herd of cows is he in troubleie sued by your family or the detectorist and these policies are no good to him , he would have to have his own insurance to cover injury to the detectorist
Title: Re: insurance Post by: Chef Geoff on December 04, 2014, 06:46:00 PM Just write out a disclaimer for him absolving the landowner of any and all liability ;)
Title: Re: insurance Post by: The Doc on December 04, 2014, 06:57:26 PM I would have thought farmers usually have their own third party insurance to cover injury to anyone using their land.
Title: Re: insurance Post by: david995 on December 04, 2014, 07:02:17 PM yes a discalimer thats what i do i was hoping an insuarnce compant would do something , but just be aware that when a farmer or land owner asked if your insured yes is a true answer but its no good to them only to you.
|