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[Bigron]

Sorry STEMO, I misunderstood your "sigh" at the thought that no dogs died - mea culpa.   

Ron.

[STEMO]

Sorry STEMO, I misunderstood your "sigh" at the thought that no dogs died - mea culpa.   

Ron.

I could have made myself clearer, Ron. 

[Viral_Jim]

Speaking to someone I know at JLR this morning, apparently JLR are already taking an interest in case there is any blame coming their way, ie recall that needs to be carried out or other. Obviously, they will keep it quiet for obvious reasons for the time being.

Listening to the radio this morning (so potentially unreliable) the car was described as an old Mandy, possibly 1980’s if so JLR will be able to wash their hands of the whole affair (and rightly so).

But, it got me thinking, is there a limit on 3rd party liability on car insurance policies, I’ve never bothered to check mine, but I’m guessing if their is one, it’s likely to be a round number, so £1m, £5m or £10m, in any of those events, the policyholder could be in the sticky stuff.

Oh, and if there isn’t a cap, I’ll bet my bottom dollar there will be one on future policies.

[Kevin Wood]

I would imagine the road traffic act or some other legislation specifies the minimum level of 3rd party cover.

Not sure about motor insurance, but my glider insurance certainly has a limit to the 3rd party liability and the legal minimum is based on the maximum take-off weight.

[aaronjb]

Sorry STEMO, I misunderstood your "sigh" at the thought that no dogs died - mea culpa.   

Ron.

I could have made myself clearer, Ron. 

What the heck is this? I come here to see people flouncing off, not a reasonable end to a small misunderstanding! Do better, you two 

maximum take-off weight.

I appear to be about 14lb further away from that MTOW after Christmas 

[Kevin Wood]

I appear to be about 14lb further away from that MTOW after Christmas 

You're not the only one.

[Bigron]

Aaron, there was no "flounce", nor any animosity; just a mis-reading on my part, which you in turn mis-interpreted!
All is peace and light, well set for the New Year.....

Ron.

[Marks DTM Calib]

I would imagine the road traffic act or some other legislation specifies the minimum level of 3rd party cover.

Not sure about motor insurance, but my glider insurance certainly has a limit to the 3rd party liability and the legal minimum is based on the maximum take-off weight.

Which I assume also equates to the size of crater created on impact?

[Field Marshal Dr. Opti]

Sorry STEMO, I misunderstood your "sigh" at the thought that no dogs died - mea culpa.   

Ron.

Drive to Barnsleywakefield and torch his house, Ron.

[Kevin Wood]

I would imagine the road traffic act or some other legislation specifies the minimum level of 3rd party cover.

Not sure about motor insurance, but my glider insurance certainly has a limit to the 3rd party liability and the legal minimum is based on the maximum take-off weight.

Which I assume also equates to the size of crater created on impact?

Yep, or the size of the debris field if you hit harder ground.

Either way, it pays to give anything really expensive a wide berth!

[Kevin Wood]

Just checked and my minimum is GBP 790,500 for MTOM of 472 kg.

https://publicapps.caa.co.uk/modalapplication.aspx?catid=1&pagetype=65&appid=1&mode=insurance&fullregmark=EELT

I think it's actually covered for significantly more!

[Bigron]

Dr. Opti, why are you also imagining that there has been aggro? There has not!
The pity with text messages is that there's no way of displaying tone of voice or reading humour into posts.
In the same vein, I hope that Lincs Robert realises that and returns soon?

Ron.

[aaronjb]

Dr. Opti, why are you also imagining that there has been aggro? There has not!

That's why I said you both needed to try harder.. such amicable ends to minor misunderstandings, it's just not the OOF way!

[biggriffin]

Dr. Opti, why are you also imagining that there has been aggro? There has not!

That's why I said you both needed to try harder.. such amicable ends to minor misunderstandings, it's just not the OOF way!

.

Nothing to do with me 

[TheBoy]

Speaking to someone I know at JLR this morning, apparently JLR are already taking an interest in case there is any blame coming their way, ie recall that needs to be carried out or other. Obviously, they will keep it quiet for obvious reasons for the time being.

Listening to the radio this morning (so potentially unreliable) the car was described as an old Mandy, possibly 1980’s if so JLR will be able to wash their hands of the whole affair (and rightly so).

But, it got me thinking, is there a limit on 3rd party liability on car insurance policies, I’ve never bothered to check mine, but I’m guessing if their is one, it’s likely to be a round number, so £1m, £5m or £10m, in any of those events, the policyholder could be in the sticky stuff.

Oh, and if there isn’t a cap, I’ll bet my bottom dollar there will be one on future policies.

Having been in a not massively dissimilar situation (my garage door landing on the roof of a car on the drive over the road), in accidents like this, there is no 3rd party liability - everybody impacted has to claim off their own insurance, and accept the fact they will be out of pocket on excess and NCD/increased risk.

I'm not saying its right or fair, but them be the rules...