Wednesday, 28 October 2020

Let's Go Digging Insurance

Metal detectors and farmers

Some comments were made here on whether fly-by-night visits through pay-to-dig companies qualified for insurance cover. Paul "White Lives Matter" Howard, the organiser of the Let's Go Digging events has announced:

Piece [sic] of mind everyone who attends Lets Go Digging events is insured up to £10’000’000 public liability insurance while on our farms
They can't provide toilets but have the money to pay premiums on insurance like that... Does this insurance cover the farmer from loss if a metal detectorist were to steal something from the property? (as if, eh?). 

"Our farms"? 



 

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1 comment:

  1. Brian Mattick26 October 2020 at 12:06

    Fascinating question Paul.

    Are you covered if they steal your spuds?

    Are you covered if they steal your ARTEFACTS?

    Are you covered if they come as one but invite a second without your permission and THEY steal your spuds or artefacts?

    Here is an interesting discussion https://www.thisismoney.co.uk/money/experts/article-2436544/TONY-HETHERINGTON-Uninvited-guest-ends-claim-stolen-jewellery.html

    Personally I wouldn't be a Lloyds underwriter specialising in this nor would I run a rally, lest the liability bounced back on me.

    In truth, it's a legal black hole peopled by shadowy flitting men of straw and neither case law nor legal interpretations have yet been formed so it's a multiple million pound lottery as to who pays what if which happens. Blowed if I know. I wonder who'll be the first to have to spin the liability bottle and can I have a ticket?







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